IP Library Granted Patent US 12706908
Granted Patent B2
US 12706908 · App. 18/150,383 · Granted Aug 11, 2026

Systems and methods for recognizing new devices

Inventors: Mary K. Wolfe (Midlothian, VA); Suman Ojha (Glen Allen, VA); Noble Ozoka (Glen Allen, VA)
Assignee: CAPITAL ONE SERVICES, LLC
H04L63/0876H04L41/16H04L41/22H04L63/20H04L2463/082
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Quick Facts
Patent No.
US 12706908
App. No.
18/150,383
Granted
Aug 11, 2026
Kind
B2
Abstract

Disclosed embodiments may include a system for recognizing new devices. The system may receive data indicative of a user being associated with a new device, and may receive, via the new device, a request to perform an action. The system may generate, via a machine learning model (MLM), a trust score associated with the user and the new device. The system may determine whether the trust score exceeds a predetermined threshold. Responsive to determining the trust score does not exceed the predetermined threshold, the system may conduct fraud prevention action(s) with respect to the user and the new device. Responsive to determining the trust score exceeds the predetermined threshold, the system may cause the new device to display a notification. Responsive to receiving a response to the notification, the system may identify user setting(s) associated with a previous device, and enable the user setting(s) via the new device.

Claims (62)

1 . A system comprising:

one or more processors; and

a memory in communication with the one or more processors and storing instructions that, when executed by the one or more processors, are configured to cause the system to:

receive data from a mobile device carrier, the data indicative of a user being associated with a new device;

receive, from the user via the new device, a request to perform an action, wherein the action comprises logging into a mobile application by the user via the new device;

responsive to receiving the request to perform the action from the new device, generate, via a machine learning model (MLM), a trust score associated with the user and the new device,

wherein the trust score is based on the data and a previous trust score associated with the user and a previous device and the trust score represents a likelihood that the user is an authorized user of the new device;

determine whether the trust score exceeds a predetermined threshold;

responsive to determining the trust score does not exceed the predetermined threshold, conduct one or more fraud prevention actions with respect to the user and the new device; and

responsive to determining the trust score exceeds the predetermined threshold:

cause the new device to display a notification via a graphical user interface (GUI) comprising one or more editable fields that allow the user to make a selection of one or more user settings from a plurality of user settings to be transferred from the previous device to the new device;

receive, via the GUI of the new device, a response to the notification comprising a selection of user settings the user wants to have transferred from the previous device to the new device; and

responsive to receiving the response:

identify one or more user settings associated with the previous device that correspond to the selection of user settings; and

enable the one or more user settings via the new device.

2 . The system of claim 1 , wherein the one or more fraud prevention actions comprise transmitting a second notification to a secondary device associated with the user, requesting the user conduct multi-factor authentication, or both.

3 . The system of claim 1 , wherein the one or more user settings comprise one or more of security settings, authentication settings, user preferences, or combinations thereof.

4 . The system of claim 1 , wherein the action further comprises one or more of accessing an account, joining a computer network, participating in a joint user session, conducting a transaction, or combinations thereof.

5 . The system of claim 1 , wherein the one or more user settings are associated with the mobile application installed on the new device.

6 . The system of claim 1 , wherein the notification further comprises a request to the user to indicate modifications to the previous device and the response to the notification further provides an indication of one or more modifications to be performed on the previous device.

7 . The system of claim 6 , wherein the one or more modifications to be performed on the previous device comprises one or more of unenrolling from a particular application and deactivating one or more device-specific authentication methods.

8 . The system of claim 1 , wherein the one or more user settings comprise a facial recognition setting used on the previous device.

9 . The system of claim 1 , wherein the data from the mobile device carrier comprises one or more of a model number, serial number, phone number, device identification, mobile equipment identifier, and a date the user obtained the new device.

10 . A system comprising:

one or more processors; and

a memory in communication with the one or more processors and storing instructions that, when executed by the one or more processors, are configured to cause the system to:

receive data indicative of a user being associated with a new device;

receive, from a user via the new device, a request to perform an action, wherein the action comprises logging into a mobile application by the user via the new device;

responsive to receiving the request to perform the action from the new device, generate, via a machine learning model (MLM) and based on the data, a trust score associated with the user and the new device, wherein the trust score represents a likelihood that the user is an authorized user of the new device;

determine whether the trust score exceeds a predetermined threshold;

responsive to determining the trust score does not exceed the predetermined threshold, conduct one or more fraud prevention actions with respect to the user and the new device; and

responsive to determining the trust score exceeds the predetermined threshold:

identify one or more user settings associated with a previous device associated with the user based on the previous device and the new device being connected to a same network; and

enable the one or more user settings via the new device.

11 . The system of claim 10 , wherein the one or more fraud prevention actions comprise transmitting a second notification to a secondary device associated with the user, requesting the user conduct multi-factor authentication, or both.

12 . The system of claim 10 , wherein the one or more user settings comprise one or more of security settings, authentication settings, user preferences, or combinations thereof.

13 . The system of claim 10 , wherein the action further comprises one or more of accessing an account, joining a computer network, participating in a joint user session, conducting a transaction, or combinations thereof.

14 . A system comprising:

one or more processors; and

a memory in communication with the one or more processors and storing instructions that, when executed by the one or more processors, are configured to cause the system to:

receive data indicative of a user device being associated with new identification information;

receive, from a user via the user device, a request to perform an action, the request comprising the new identification information and the action comprising an attempt to log into a mobile application by the user via the user device;

responsive to receiving the request to perform the action from the user device, generate, via a machine learning model (MLM) and based on the data, a trust score associated with the user and the user device, wherein the trust score represents a likelihood that the user is an authorized user of the user device;

determine whether the trust score exceeds a predetermined threshold;

responsive to determining the trust score does not exceed the predetermined threshold, conduct one or more first actions with respect to the user and the user device; and

responsive to determining the trust score exceeds the predetermined threshold, conduct one or more second actions with respect to the user and the user device comprising:

identifying one or more user settings associated with a previous user device associated with the user based on the system having operational control over the one or more user settings on the previous user device; and

enabling the one or more user settings via the user device.

15 . The system of claim 14 , wherein the new identification information comprises one or more of a phone number, an account number, a service carrier, or combinations thereof.

16 . The system of claim 14 , wherein:

the one or more first actions comprise transmitting a notification to a secondary device associated with the user, requesting the user conduct multi-factor authentication, or both.

17 . The system of claim 16 , wherein the one or more user settings comprise one or more of security settings, authentication settings, user preferences, or combinations thereof.

18 . The system of claim 14 , wherein the instructions are further configured to cause the system to:

responsive to determining the trust score exceeds the predetermined threshold:

cause the user device to display a notification via a graphical user interface (GUI); and

receive, via the GUI of the user device, a response to the notification,

wherein conducting the one or more second actions is in response to receiving the response.

19 . The system of claim 14 , wherein the action further comprises one or more of accessing an account, joining a computer network, participating in a joint user session, conducting a transaction, or combinations thereof.

20 . The system of claim 14 , wherein the instructions are further configured to cause the system to:

cause the user device to display a notification via a graphical user interface requesting the user to indicate whether to change or deactivate an old user device;

receive, from the user device, a user input representing an indication from the user to change or deactivate the old user device; and

change or deactivate the old user device in response to receiving the indication from the user.