IP Library Granted Patent US 10,498,721
Granted Patent B1
US 10,498,721 · App. 16/429,887 · Granted Dec 3, 2019

Multi-device verification via non-audible sound

Inventors: Vincent Pham (Champaign, IL); Anh Truong (Champaign, IL); Austin Grant Walters (Savoy, IL); Jeremy Edward Goodsitt (Champaign, IL); Reza Farivar (Champaign, IL)
Assignee: Capital One Services, LLC
H04L63/08G06Q20/40H04L63/0861H04L2463/082
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Quick Facts
Patent No.
US 10,498,721
App. No.
16/429,887
Granted
Dec 3, 2019
Kind
B1
Abstract

A non-transitory computer-readable storage medium storing computer-readable program code executable by a processor to receive a transaction request from a user interface, and receive a user-identifier from the user interface, and the user-identifier associated with a user. The program code may be executable to send a first non-audible sound signal to initiate a multifactor authentication process during a first interval, and send a second non-audible sound signal during a second interval, where the second non-audible sound signal comprises a predetermined frequency pattern, associated with the user. The program code may also be executable to receive a third non-audible sound signal, where the third non-audible sound signal, at least in part, is utilized to determine whether to complete the transaction request or not. The first non-audible sound signal, the second non-audible sound signal, and the third non-audible sound signal may comprise a frequency greater than 15 kHz.

Claims (46)

1. A non-transitory computer-readable storage medium storing computer-readable program code executable by a processor to:

receive a transaction request from a user interface;

receive a user-identifier from the user interface, the user-identifier associated with a user;

send a first non-audible sound signal to initiate a multifactor authentication process during a first interval; and

send a second non-audible sound signal during a second interval, the second non-audible sound signal comprising a predetermined frequency pattern, associated with the user; and

receive a third non-audible sound signal, the third non-audible sound signal, at least in part, utilized to determine whether to complete the transaction request or not, wherein the first non-audible sound signal, the second non-audible sound signal, and the third non-audible sound signal comprise a frequency greater than 15 kHz.

2. The non-transitory computer-readable storage medium of claim 1 , the computer-readable program code executable by the processor to:

send instructions to complete the transaction request, responsive to the third non-audible sound signal, when the third non-audible sound signal corresponds to a second predetermined frequency pattern, derived from the predetermined frequency pattern.

3. The non-transitory computer-readable storage medium of claim 2 , the computer-readable program code executable by the processor to:

receive a fourth non-audible sound signal, sent during a fourth interval; and

send instructions to complete the transaction request, responsive to the third non-audible sound signal, and the fourth non-audible sound signal, when the fourth non-audible sound signal corresponds to a third predetermined frequency pattern, derived from the predetermined frequency pattern.

4. The non-transitory computer-readable storage medium of claim 2 , the computer-readable program code executable by the processor to:

ignore the third non-audible sound signal, when the third non-audible sound signal does not correspond to the second predetermined frequency pattern.

5. The non-transitory computer-readable storage medium of claim 2 , wherein the second non-audible sound signal comprises an ultrasonic beacon, broadcast within a frequency range, having a lower limit greater than 15 kHz.

6. The non-transitory computer-readable storage medium of claim 1 , wherein the predetermined frequency pattern of the second non-audible sound signal comprises a first frequency pattern, and wherein the third non-audible sound signal comprises a second frequency pattern, different from the first frequency pattern.

7. The non-transitory computer-readable storage medium of claim 1 , wherein the user interface comprises a visual field within a website, presented on an electronic display.

8. A device, comprising:

a user interface;

an audio interface, coupled to the user interface, and comprising an audio receiver and an audio transmitter;

a processor, coupled to the user interface and the audio interface; and

a non-transitory computer-readable storage medium storing computer-readable program code executable by the processor to:

receive an enable signal over the user interface to enable a multifactor authentication application;

receive, during a first interval, a first non-audible sound signal from the audio interface to initiate a multifactor authentication process;

receive a second non-audible sound signal over the audio interface during a second interval, the second non-audible sound signal comprising a predetermined frequency pattern, associated with a user;

request receipt of a user-identifier signal, associated with the user, in response to receipt of the predetermined frequency pattern; and

transmit an authentication signal, responsive receipt of the user-identifier signal over the user interface wherein the first non-audible sound signal and the second non-audible sound signal comprise a frequency greater than 15 kHz.

9. The device of claim 8 , wherein the second non-audible sound signal comprises an ultrasonic beacon, broadcast within a frequency range, having a lower limit greater than 15 kHz.

10. The device of claim 8 , wherein the authentication signal comprises an electronic signal, electric signal, or electromagnetic signal, to be transmitted over a data network.

11. The device of claim 8 , the user-identifier signal comprising an authentication code.

12. The device of claim 8 , wherein the user interface comprising at least one of: a touchscreen, a keypad, a touchpad, a biometric interface, a keyboard, an audio device, and a button.

13. The device of claim 12 , the user-identifier signal being received from the biometric interface.

14. The device of claim 8 , wherein the authentication signal comprises a third non-audible sound signal, sent over the audio interface at a second predetermined frequency pattern, the second predetermined frequency pattern being derived from the predetermined frequency pattern.

15. The device of claim 14 , wherein the second non-audible sound signal comprises a first frequency pattern, wherein the third non-audible sound signal comprises a second frequency pattern, different from the first frequency pattern.

16. A method, comprising:

receiving a transaction request from a user interface, associated with a user;

sending a first non-audible sound signal to initiate a multifactor authentication process during a first interval;

sending a second non-audible sound signal during a second interval, the second non-audible sound signal comprising a predetermined frequency pattern, associated with the user; and

receiving a third non-audible sound signal sent during a third interval, the third non-audible sound signal, at least in part, utilized to determine whether to complete the transaction request or not wherein the first non-audible sound signal, the second non-audible sound signal, and the third non-audible sound signal comprise a frequency greater than 15 kHz.

17. The method of claim 16 , comprising:

sending instructions to complete the transaction request, responsive to the third non-audible sound signal, when the third non-audible sound signal corresponds to a second predetermined frequency pattern, derived from the predetermined frequency pattern.

18. The method of claim 17 , comprising:

ignoring the third non-audible sound signal, when the third non-audible sound signal does not correspond to the second predetermined frequency pattern.

19. The method of claim 17 , comprising:

receiving a fourth non-audible sound signal, sent during a fourth interval; and

sending instructions to complete the transaction request, responsive to the third non-audible sound signal, and the fourth non-audible sound signal when the fourth non-audible sound signal corresponds to a third predetermined frequency pattern, derived from the predetermined frequency pattern.

20. The method of claim 16 , wherein the second non-audible sound signal comprises an ultrasonic beacon, broadcast within a frequency range, having a lower limit greater than 15 kHz.

Assignments (1)
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Jun 4, 2019
From: PHAM, VINCENT; TRUONG, ANH; WALTERS, AUSTIN GRANT; GOODSITT, JEREMY EDWARD; FARIVAR, REZA
To: CAPITAL ONE SERVICES, LLC
Reel/Frame 049361/0047 →
Cited By (1)
US 12,236,957