# US 2024/0205338 A1 · Transferring an authentication state from a digital channel to an agent channel

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- Number: US 2024/0205338 A1
- Document ID: US20240205338A1
- Status: Published application
- Kind: A1
- Application number: 18/065,936
- Filed: 2022-12-14
- Published: 2024-06-20
- Earliest claimed: 2022-12-14
- Assignees: Capital One Services, LLC
- Applicants: Capital One Services, LLC
- Inventors: Erik NEIGHBOUR; Shashikiran PARGAONKAR; Jayanth PRATHIPATI
- Web page: https://patentgrep.com/patent/US20240205338A1

## CPC

- H04M 7/0078: {Security; Fraud detection; Fraud prevention}
- H04L 63/0838: {using one-time-passwords}
- H04L 63/0846: {using time-dependent-passwords, e.g. periodically changing passwords}
- H04M: TELEPHONIC COMMUNICATION (circuits for controlling other apparatus via a telephone cable and not involving telephone switching apparatus G08)
- H04L: TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION (arrangements common to telegraphic and telephonic communication H04M)

## Abstract

In some implementations, a server device may obtain an indication of an incoming call, associated with a user device, to the call center service. The server device may perform a lookup in a database for information associated with the user device, wherein the information indicates the authentication status of a user that is established via the user device. The server device may determine whether an amount of time that the information has been stored in the database is less than or equal to a time threshold. The server device may generate an authentication token for the incoming call based on the authentication status and based on the amount of time being less than or equal to the time threshold.

## Claims

### Claim 1

A system for transferring an authentication state from a digital channel to an agent channel, the system comprising:
one or more memories; and
one or more processors, coupled to the one or more memories, configured to:
obtain, at a first time, an indication of an incoming call, associated with a user device, to a call center service that is associated with the agent channel,
wherein the user device is associated with the digital channel;
determine, at a second time, whether an event associated with the user device is stored in a database associated with the call center service,
wherein the event indicates the authentication state of a user that is established via the digital channel and the user device, and
wherein the authentication state indicates at least one of: whether the user is authenticated, a technique used to authenticate the user, or a level of authentication;
determine whether an amount of time between the first time and the second time satisfies a time threshold; and
perform an action to enable access, for the incoming call, to one or more services or functions associated with the call center service based on the authentication state and based on the amount of time satisfying the time threshold.

### Claim 2 (depends on 1)

The system of claim 1, wherein the action includes granting an authentication token level for the incoming call to enable the access to the one or more services or functions, and
wherein the access is provided to a call center device associated with the call center service.

### Claim 3 (depends on 1)

The system of claim 1, wherein the event is associated with a user interaction with an application executing on the user device, and
wherein the user interaction is associated with a user input associated with a deep link that causes the incoming call to the call center service to be initiated.

### Claim 4 (depends on 1)

The system of claim 1, wherein the one or more processors, to determine whether the event associated with the user device is stored in the database, are configured to:
query the database using an identifier of the user device or a phone number associated with the user device; and
determine whether the event is stored in the database based on querying the database.

### Claim 5 (depends on 1)

The system of claim 1, wherein the event indicates a first phone number associated with the event; and wherein the one or more processors are further configured to:
compare the first phone number to a second phone number associated with the incoming call,
wherein performing the action is further based on the first phone number matching the second phone number.

### Claim 6 (depends on 5)

The system of claim 5, wherein the first phone number is determined using a silent mobile authentication technique.

### Claim 7 (depends on 1)

The system of claim 1, wherein the one or more processors are further configured to:
obtain an indication of a first code provided as part of the incoming call; and
comparing the first code to a second code that is associated with the user device,
wherein performing the action is further based on the first code matching the second code.

### Claim 8 (depends on 7)

The system of claim 7, wherein the second code is a time-based one-time password.

### Claim 9 (depends on 1)

The system of claim 1, wherein the incoming call is associated with a voice over internet protocol (VOIP) connection associated with the digital channel, and
wherein performing the action is further based on the incoming call being associated with the VoIP connection.

### Claim 10

A method of transferring an authentication status for a call center service, comprising:
obtaining, by a server device, an indication of an incoming call, associated with a user device, to the call center service,
performing, by the server device, a lookup in a database for information associated with the user device,
wherein the information indicates the authentication status of a user that is established via the user device;
determining, by the server device, whether an amount of time that the information has been stored in the database is less than or equal to a time threshold; and
generating, by the server device, an authentication token for the incoming call based on the authentication status and based on the amount of time being less than or equal to the time threshold.

### Claim 11 (depends on 10)

The method of claim 10, further comprising:
perform an action to enable a call center device to access, for the incoming call, one or more services or functions associated with the call center service based on the authentication token.

### Claim 12 (depends on 10)

The method of claim 10, wherein the information indicates context information associated with the incoming call, the method further comprising:
providing, to a call center device, the context information associated with the incoming call.

### Claim 13 (depends on 10)

The method of claim 10, wherein the authentication status is established via an authentication procedure associated with an application executing on the user device.

### Claim 14 (depends on 10)

The method of claim 10, wherein obtaining the indication of the incoming call comprises:
obtaining an indication of a code associated with the incoming call,
wherein generating the authentication token for the incoming call is further based on the code matching a unique identifier associated with the user device.

### Claim 15 (depends on 10)

The method of claim 10, wherein the incoming call is to a phone number from a set of phone numbers associated with the call center service, and
wherein generating the authentication token for the incoming call is further based on the phone number being a phone number designated for use by the user device or an application executing on the user device.

### Claim 16 (depends on 10)

The method of claim 10, wherein the authentication token is associated with an authentication level, and
wherein the authentication level is based on a type or level of authentication indicated by the authentication status.

### Claim 17

A non-transitory computer-readable medium storing a set of instructions, the set of instructions comprising:
one or more instructions that, when executed by one or more processors of a device, cause the device to:
obtain, at a first time, an indication of an incoming communication, associated with a user device, to a customer service center;
determine whether an event, that occurred at a second time, associated with the user device is stored in a database associated with the customer service center,
wherein the event indicates an authentication state of a user that is established via the user device; and
wherein the authentication state indicates at least one of: whether the user is authenticated, a technique used to authenticate the user, or a level of authentication;
determine whether an amount between the first time and the second time satisfies a time threshold; and
perform an action to enable access, for the incoming communication, to one or more services or functions associated with the customer service center based on the authentication state and based on the amount of time satisfying the time threshold.

### Claim 18 (depends on 17)

The non-transitory computer-readable medium of claim 17, wherein the access is provided to a call center device associated with the customer service center.

### Claim 19 (depends on 17)

The non-transitory computer-readable medium of claim 17, wherein the event is associated with a user interaction with an application executing on the user device, and
wherein the user interaction is associated with a user input associated to an option that causes the incoming communication to be initiated.

### Claim 20 (depends on 17)

The non-transitory computer-readable medium of claim 17, wherein the one or more instructions, that cause the device to determine whether the event associated with the user device is stored in the database, cause the device to:
query the database using an identifier of the user device or a phone number associated with the user device; and
determine whether the event is stored in the database based on querying the database.
