# US 2021/0342852 A1 · Account security system

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- Number: US 2021/0342852 A1
- Document ID: US20210342852A1
- Status: Published application
- Kind: A1
- Application number: 17/375,102
- Filed: 2021-07-14
- Published: 2021-11-04
- Earliest claimed: 2020-01-27
- Assignees: Capital One Services, LLC
- Applicants: Capital One Services, LLC
- Inventors: Joshua EDWARDS; Michael MOSSOBA; Abdelkader BENKREIRA
- Web page: https://patentgrep.com/patent/US20210342852A1

## CPC

- G06Q 20/40145: {Biometric identity checks}
- G06F 16/51: Indexing; Data structures therefor; Storage structures
- G06F 16/784: {the detected or recognised objects being people}
- G06Q 20/1085: {involving automatic teller machines [ATMs]}
- G06Q 20/401: {Transaction verification}
- G06Q 20/4016: {involving fraud or risk level assessment in transaction processing}
- G06Q 30/0185: {Product, service or business identity fraud}
- G06Q 40/02: Banking, e.g. interest calculation or account maintenance (credit or loans G06Q40/03)
- G06V 20/40: in video content (extracting overlay text G06V20/62; video retrieval G06F16/70; processing of video elementary streams in video servers H04N21/234; processing of video elementary streams in video clients H04N21/44)
- G06V 40/172: {Classification, e.g. identification}
- G07F 19/207: {Surveillance aspects at ATMs}
- H04L 63/0861: {using biometrical features, e.g. fingerprint, retina-scan (cryptographic mechanisms or cryptographic arrangements for entity authentication using biological data H04L9/3231)}
- G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06F: ELECTRIC DIGITAL DATA PROCESSING (computer systems based on specific computational models G06N)
- G06V: IMAGE OR VIDEO RECOGNITION OR UNDERSTANDING
- G07F: COIN-FREED OR LIKE APPARATUS (coin sorting G07D3/00; coin testing G07D5/00; {handling coins or paper currencies apart from payment activated apparatus G07D; payment architectures, schemes or protocols G06Q20/00})
- H04L: TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION (arrangements common to telegraphic and telephonic communication H04M)

## Abstract

A webcam account security system that allows a user to require activation of a webcam when accessing an account. The system may prompt a user attempting to access the account to activate the webcam and may deny access to the account or require additional security procedures when access to the webcam is not granted. Additionally, the system may store any images or footage captured by the webcam for analysis in the case a fraud notification is received. The system may further deny access to the account when the webcam is unable to detect the face or an identifying characteristic of the person attempting to access the account.

## Claims

### Claim 1

A fraud detection method comprising:
determining whether an image authentication preference is on;
providing a prompt to a user device to activate a camera on the user device;
denying access to an account when the prompt is not accepted;
receiving an electronic image from the user device when the prompt is accepted, and the user device effectuates a first transaction;
storing the electronic image from the user device;
associating the electronic image with the first transaction;
receiving a second electronic image received from a second user device when a second user device effectuates a second transaction;
storing the second electronic image from the second user device;
associating the second electronic image with the second transaction;
receiving a fraud notification associated with the first transaction;
retrieving the electronic image associated with the first transaction;
analyzing the electronic image associated with the first transaction to detect an identifying characteristic;
determining whether the identifying characteristic is present in the second electronic image;
identifying a second account associated with the second electronic image when the identifying characteristic is in the second electronic image; and
preventing access to the second account when the identifying characteristic is determined to be present in the second electronic image above a known degree of certainty.

### Claim 2 (depends on 1)

The method of claim 1, wherein the electronic image is derived from a video footage.

### Claim 3 (depends on 1)

The method of claim 1, further comprising allowing access to the account when a face is identified within a predetermined degree of certainty.

### Claim 4 (depends on 1)

The method of claim 1, further comprising analyzing the electronic image at given intervals.

### Claim 5 (depends on 3)

The method of claim 3, further comprising ceasing access to the account when the electronic image does not contain an identifiable face.

### Claim 6 (depends on 5)

The method of claim 5, further comprising analyzing the electronic image to determine when the identifiable face is no longer in the electronic image.

### Claim 7 (depends on 1)

The method of claim 1, wherein the prompt is a notification that is configured to be decoded by the user device to provide a message to a user.

### Claim 8 (depends on 1)

The method of claim 1, further comprising storing the electronic image on a footage database.

### Claim 9 (depends on 1)

The method of claim 1, wherein the electronic image is stored when a transaction is occurring on the account.

### Claim 10 (depends on 1)

The method of claim 1, wherein the second electronic image is associated with the second account when the fraud notification is received.

### Claim 11

A fraud detection method comprising:
receiving a first electronic image from a first user device while the first user device effectuates a first transaction;
storing the first electronic image from the first user device;
associating the first electronic image with the first transaction;
receiving a second electronic image from a second user device while the second user device effectuates a second transaction;
storing the second electronic image from the second user device;
associating the second electronic image with the second transaction;
receiving a fraud notification associated with the first transaction;
retrieving the first electronic image;
analyzing the first electronic image to detect an identifying characteristic;
determining whether the identifying characteristic is present in the second electronic image;
identifying a second account when the identifying characteristic is in the second electronic image; and
preventing access to the second account when the identifying characteristic is determined to be present in the second electronic image above a known degree of certainty.

### Claim 12 (depends on 11)

The method of claim 11, further comprising preventing the second user device from accessing the second account includes terminating access to the account.

### Claim 13

A system comprising:
a customer authentication system configured to authenticate a customer to access an account associated with an account identifier provided by a user device;
an account server configured to:
retrieve account information when the customer authentication system authenticates the customer;
receive the account information;
determine whether an image authentication preference is on;
provide a prompt to the user device to activate a camera on the user device when the image authentication preference is on;
receive an electronic image from the user device when the prompt is accepted; and
deny access to the account when the prompt is not accepted.

### Claim 14 (depends on 13)

The system of claim 13, further comprising:
a security processor configured to receive the electronic image from the account server, wherein the security processor is configured to:
determine whether the electronic image contains an identifiable face; and
allow access to the account associated with the account identifier when the electronic image contains the identifiable face.

### Claim 15 (depends on 14)

The system of claim 14, wherein the security processor allows access to the account when a face is identified within a predetermined degree of certainty.

### Claim 16 (depends on 14)

The system of claim 14, wherein the security processor is further configured to analyze the electronic image at given intervals.

### Claim 17 (depends on 14)

The system of claim 14, further comprising ceasing access to the account when the electronic image does not contain the identifiable face.

### Claim 18 (depends on 14)

The system of claim 14, further comprising providing the user device with a reposition prompt to reposition when the electronic image does not contain the identifiable face.

### Claim 19 (depends on 14)

The system of claim 14, wherein the security processor is further configured to analyze the electronic image to determine when the identifiable face is no longer in the electronic image.

### Claim 20 (depends on 14)

The system of claim 14, wherein the prompt is a notification that is configured to be decoded by the user device to provide a message to a user.