Computer-based systems configured for accessing electronic data sources with invisible authentication and launching, and computer-based methods of use thereof

Patent metadata

Field	Value
Publication number	US-2026023866-A1
Application number	US-202418774142-A
Country	US
Kind code	A1
Filing date	Jul 16, 2024
Priority date	Jul 16, 2024
Publication date	Jan 22, 2026
Grant date	—

Abstract

The present disclosure describes a server computing device configured for receiving from a remote computing device via an application, in response to a low-risk access request to a data resource, a programming call with a URL comprising an second identification data item encrypted from a first identification data item acquired by the remote computing device, obtaining a first context information item associated with the programming call, inputting the first context information item into a machine learning model to generate a second context information item, extracting the second identification data item from the URL, generating a third identification data item by decrypting the second identification data item, retrieving a prestored property data item associated with the third identification data item, and transmitting requested data to the remote computing device if comparing the second context information with the prestored property data item produces a match.

First claim

1 . A method, comprising:
receiving, by a server computing device, from a remote computing device via an application, in response to one of a plurality of low-risk access requests to at least one data resource, a programming call with a uniform resource locator (URL) comprising an encrypted portion of a second identification data item, wherein the encrypted portion has been generated by the remote computing device in response to acquiring and based at least in part on a first identification data item; obtaining, by a server computing device, a first context information item associated with the programming call; inputting, by the server computing device, the first context information item into a machine learning model to generate a second context information item; extracting, by the server computing device, the second identification data item from the URL; generating, by the server computing device, a third identification data item by decrypting the second identification data item; retrieving, by the server computing device, a prestored property data item associated with the third identification data item; comparing, by the server computing device, the second context information item with the prestored property data item; and transmitting, by the server computing device, requested data to the remote computing device to be displayed by the application if comparing the second context information with the prestored property data item produces a match.

2 . The method according to claim 1 , further comprising designating, by a server computing device, the plurality of low-risk access requests and at least one high-risk access request.

3 . The method according to claim 1 , wherein the at least one data resource comprises an account in an electronic repository.

4 . The method according to claim 3 , wherein the plurality of low-risk access requests comprises checking account balance, transaction status or transaction history.

5 . The method according to claim 3 , wherein the first identification data item comprises an account number of the account in the electronic repository.

6 . The method according to claim 1 , wherein remote computing device is a smartphone, tablet or a personal computer.

7 . The method according to claim 1 , wherein acquiring, by the remote computing device, the first identification data item comprises scanning a quick response (QR) code or reading a near-field communication (NFC) tag.

8 . The method according to claim 1 , wherein the first context information comprises an Internet Protocol (IP) address or a phone number.

9 . The method according to claim 1 , wherein the machine learning model is trained using past authenticated user data.

10 . The method according to claim 1 , wherein the encrypting the first identification data item to the second identification data item and the decrypting the second identification data item to the third identification data item use a same cryptographic key provided by the server computing device.

11 . The method according to claim 1 , wherein the prestored property data item comprises a user registered location or a phone number.

12 . A system, comprising:
a plurality of processors of a server computing device; and at least one memory storing a plurality of computing instructions configured to instruct at least one of the plurality of processors to: receive from a remote computing device via an application, in response to one of a plurality of low-risk access requests to at least one data resource, a programming call with a uniform resource locator (URL) comprising an encrypted portion of a second identification data item, wherein the encrypted portion has been generated by the remote computing device in response to acquiring and based at least in part on a first identification data item; obtain a first context information item associated with the programming call; input the first context information item into a machine learning model to generate a second context information item; extract the second identification data item from the URL; generate a third identification data item by decrypting the second identification data item; retrieve a prestored property data item associated with the third identification data item; compare the second context information item with the prestored property data item; and transmit requested data to the remote computing device to be displayed by the application if comparing the second context information with the prestored property data item produces a match.

13 . The system according to claim 12 , wherein the plurality of computing instructions is further configured to instruct at least one of the plurality of processors to designate the plurality of low-risk access requests and at least one high-risk access request.

14 . The system according to claim 12 , wherein the at least one data resource comprises an account in an electronic repository.

15 . The system according to claim 14 , wherein the plurality of low-risk access requests comprises checking account balance, transaction status or transaction history.

16 . The system according to claim 14 , wherein the first identification data item comprises an account number of the account in the electronic repository.

17 . The system according to claim 12 , wherein acquiring the first identification data item comprises scanning a quick response (QR) code or reading a near-field communication (NFC) tag.

18 . The system according to claim 12 , wherein the first context information comprises an Internet Protocol (IP) address or a phone number.

19 . The system according to claim 12 , wherein the machine learning model is trained using past authenticated user data.

20 . The system according to claim 12 , wherein the prestored property data item comprises a user registered location or a phone number.

Assignees

• Capital One Services Llc

Inventors

• Osborn Kevin
• Sun Xin
• Mcnulty Amy Lee

Classifications

• G06F21/602 Primary

  Providing cryptographic facilities or services · CPC title

• G06F21/6218 Primary

  to a system of files or objects, e.g. local or distributed file system or database · CPC title