Enhanced authentication using a secure document

Patent metadata

Field	Value
Publication number	US-12413596-B2
Application number	US-202318328939-A
Country	US
Kind code	B2
Filing date	Jun 5, 2023
Priority date	Jun 5, 2023
Publication date	Sep 9, 2025
Grant date	Sep 9, 2025

Abstract

In some implementations, a device may obtain, from a user device, a document image that depicts location information associated with an owner of the document. The device may obtain location information associated with the user device. The device may perform optical character recognition using the document image to obtain a location, or may scan a machine-readable code depicted in the document image to obtain the location. The device may determine a device location based on the location information. The device may determine a confidence score based on the location and the device location. The device may determine whether the confidence score satisfies a threshold. The device may perform an action based on determining whether the confidence score satisfies the threshold.

First claim

What is claimed is:

1. A system for location-based authentication using a document and a device location, the system comprising:
one or more memories; and
one or more processors, communicatively coupled to the one or more memories, configured to:
detect an authentication event associated with an access attempt for an account;
obtain, from a device, a document image based on detecting the authentication event, the document including location information associated with an owner of the document;
process the document image to obtain a location based on the location information associated with the owner of the document, wherein processing the document image includes at least one of:
performing optical character recognition using the document image to obtain the location, or
scanning a machine-readable code depicted in the document image to obtain the location;

obtain location information associated with the device, the location information associated with the device including at least one of:
information indicated via metadata associated with the document image, or
positioning information indicated by the device;

determine a confidence score based on the location information associated with the owner of the document and the location information associated with the device,
wherein the confidence score indicates a likelihood that the device is associated with the owner of the document, and
wherein the confidence score is based on a correlation between the location information associated with the owner of the document and the location information associated with the device; and

authenticate the access attempt based on the confidence score satisfying a threshold.

2. The system of claim 1 , wherein the one or more processors, to determine the confidence score, are configured to:
determine the device location based on at least one of:
the information indicated via the metadata associated with the document image, or
the positioning information indicated by the device; and

determine a location distance that is a distance between the location and the device location; and
determine the confidence score based on the location distance.

3. The system of claim 1 , wherein the one or more processors, to determine the confidence score, are configured to:
determine a location region that is associated with the location;
determine a location region distance that is a distance between the location region and the device location; and
determine the confidence score based on the location region distance.

4. The system of claim 1 , wherein the one or more processors, to determine the confidence score, are further configured to:
extract a geographic location identifier from at least one of:
the information indicated via metadata associated with the document image, or
the positioning information indicated by the device; and

determine the device location based on the geographic location identifier; and
determine the confidence score based on determining that the device location does not correspond to a trusted location.

5. The system of claim 1 , wherein the one or more processors, to determine the confidence score, are configured to:
determine the device location based on the location information associated with the device;
determine one or more historical locations associated with at least one of:
a transaction associated with the account,
the owner of the document, or
the device; and

determine the confidence score based on two or more of the location, the device location, or the one or more historical locations.

6. The system of claim 1 , wherein the positioning information indicated by the device includes geographic identifiers that correspond to the device location, and
wherein the one or more processors, to determine the confidence score, are configured to:
determine the device location based on the geographic identifiers; and
determine the confidence score based on the location and the device location.

7. The system of claim 1 , wherein the information indicated via the metadata associated with the document image includes geographic location information that corresponds to the device location
at a time that the document image is captured, and
wherein the one or more processors, to determine the confidence score, are configured to:
determine the device location based on the geographic location information; and
determine the confidence score based on the location and the device location.

8. The system of claim 1 , wherein the information indicated via the metadata associated with the document image includes at least one of:
geographic location information of the device that corresponds to a time at which the document image is captured, or
time stamp information that corresponds to the time that the document image is captured.

9. The system of claim 1 , wherein the positioning information indicated by the device includes at least one of:
geographic identifiers associated with the device location, or
an identifier associated with the device.

10. A method for location-based authentication using a document and a device location of a user device, comprising:
obtaining, by a device, a document image, the document depicting location information associated with an owner of the document;
obtaining, by the device, location information associated with the user device;
processing, by the device, the document image to obtain a location based on the location information associated with the owner of the document, wherein processing the document image includes at least one of:
performing, by the device, optical character recognition using the document image to obtain the location, or
scanning, by the device, a machine-readable code depicted in the document image to obtain the location;

determining, by the device, the device location based on the location information associated with the user device;
determining, by the device, a confidence score based on a correlation between the location and the device location;
determining, by the device, whether the confidence score satisfies a threshold; and
performing, by the device, an action based on determining whether the confidence score satisfies the threshold.

11. The method of claim 10 , wherein obtaining the document image is associated with an access attempt to an account, and wherein performing the action comprises:
authenticating the access attempt to the account based on determining that the confidence score satisfies the threshold.

12. The method of claim 10 , wherein obtaining the document image is associated with an access attempt to an account,
wherein the threshold includes a first threshold and a second threshold, and
wherein performing the action comprises:
requesting additional information associated with the access attempt to the account based on determining that the confidence score does not satisfy the first threshold and does satisfy the second threshold.

13. The method of claim 10 , wherein obtaining the document image is associated with an access attempt to an account, and wherein performing the action comprises:
refraining from authenticating the access attempt to the account based on determining that the confidence score does not satisfy the threshold.

14. The method of claim 10 , wherein determining the device location comprises:
obtaining a live user image from the user device, the live user image being a live image of the user;
identifying a geographical location identifier associated with the live user image; and
determining the device location based on identifying the geographical location ident

Assignees

• Capital One Services Llc

Inventors

• Neighbour Erik
• Pribble Jason
• Patil Swapnil

Classifications

• H04L63/08

  for authentication of entities (cryptographic mechanisms or cryptographic arrangements for entity authentication H04L9/32) · CPC title

• G06Q20/4014

  Identity check for transactions · CPC title

• G06F21/31

  User authentication · CPC title

• G06Q20/4015

  using location information · CPC title

• G06Q20/3224

  Transactions dependent on location of M-devices · CPC title