IP Library › Granted Patent US 11,368,468
Granted Patent B2
US 11,368,468 · App. 16/880,111 · Granted Jun 21, 2022

Location identification in multi-factor authentication

Inventors: Lukiih Cuan (McLean, VA); Eric Loucks (McLean, VA); Joshua Edwards (McLean, VA)
Assignee: Capital One Services, LLC
H04L63/107H04L9/3271H04L63/08H04L2463/082
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Quick Facts
Patent No.
US 11,368,468
App. No.
16/880,111
Granted
Jun 21, 2022
Kind
B2
Abstract

Disclosed herein are system, method, and device embodiments for implementing location identification in multi-factor authentication (MFA). In an example embodiment, a user service may present a geographic map based on a MFA process, and receive an authentication attempt including a geographic indicator and interaction information. Further, the system may determine whether the authentication attempt was made by a human based at least in part on the interaction information, determine whether the geographic indicator matches an expected response, and send, to an electronic device, an authentication result indicating whether geographic information was determined to be selected by a human and the geographic indicator was determined to match the expected response.

Claims (57)

1. A method for authenticating a user, comprising:

(a) presenting, via an electronic device, a geographic map with a challenge based on a multi-factor authentication (MFA) process to log in to an account, the challenge requiring the user to provide authentication input via the map by marking a particular geographic location on the geographic map;

(b) receiving, from the electronic device, an authentication attempt, the authentication attempt including:

(i) a geographic indicator marking the particular geographic location selected by the user, and

(ii) current interaction information describing user interactions with the geographic map comprising a series of gestures for selecting the particular geographic location;

(c) comparing the current interaction information to previously-submitted authentication information, wherein the previously-submitted authentication information specifies an expected series of gestures used to navigate to the particular geographic location on the geographic map as a response to the challenge;

(d) based at least in part on the current interaction information, determining whether the particular geographic location was selected by a human by comparing the series of gestures of the current interaction information to the expected series of gestures of the previously-submitted authentication information to determine if they match within a predetermined threshold but do not exactly match; and

(e) sending, to the electronic device, an authentication result with an indication whether the particular geographic location was determined to be selected by the human based on the determining in (d).

2. The method of claim 1 , wherein the series of gestures of the current interaction information and the expected series of gestures of the previously-submitted authentication information include a single touch gesture, a multi-tap gesture, a swipe, or a circle on a graphical user interface displaying the geographic map.

3. The method of claim 1 , further comprising determining the particular geographic location was selected by a computer attempting to impersonate the human based on the current interaction information matching exactly the expected series of gestures of the previously-submitted authentication information.

4. The method of claim 1 , wherein the geographic indicator includes response coordinates, and wherein the determining in (d) is based on the response coordinates matching previously-submitted coordinates of the previously-submitted authentication information within the predetermined threshold.

5. The method of claim 1 , wherein the geographic indicator includes response coordinates, and wherein the determining in (d) is based on:

determining expected coordinates associated with the geographic location;

determining a distance between the response coordinates and the expected coordinates;

determining a threshold value based on the distance; and

determining whether the distance is less than the threshold value.

6. The method of claim 1 , wherein the geographic indicator includes response coordinates, and wherein the determining in (d) is based on:

determining expected coordinates associated with the particular geographic location; and

determining whether the response coordinates fall within a geofence associated with the expected coordinates.

7. A non-transitory computer-readable device having instructions stored thereon that, when executed by at least one computing device, cause the at least one computing device to perform operations comprising:

(a) presenting, via an electronic device, a geographic map with a challenge based on a multi-factor authentication (MFA) process to log in to an account, the challenge requiring a user to provide authentication input via the map by marking a particular geographic location on the geographic map;

(b) receiving, from the electronic device, an authentication attempt, the authentication attempt including:

(i) a geographic indicator marking the particular geographic location on the geographic map selected by the user, and

(ii) current interaction information describing user interactions with the geographic map comprising a series of gestures for selecting the particular geographic location;

(c) comparing the current interaction information to previously-submitted authentication information, wherein the previously-submitted authentication information specifies an expected series of gestures used to navigate to the particular geographic location on the geographic map as a response to the challenge;

(d) based at least in part on the current interaction information, determining whether the particular geographic location was selected by a human by comparing the series of gestures of the current interaction information to the expected series of gestures of the previously-submitted authentication information to determine if they match within a predetermined threshold but do not exactly match; and

(e) sending, to the electronic device, an authentication result with an indication whether the particular geographic location was determined to be selected by the human based on the determining in (d).

8. The non-transitory computer-readable device of claim 7 , wherein the series of gestures of the current interaction information and the expected series of gestures of the previously-submitted authentication information include a single touch gesture, a multi-tap gesture, a swipe, or a circle on a graphical user interface displaying the geographic map.

9. The non-transitory computer-readable device of claim 7 , the operations further comprising determining the particular geographic location was selected by a computer attempting to impersonate the human based on the current interaction information matching exactly the previously-submitted authentication information.

10. The non-transitory computer-readable device of claim 7 , wherein the geographic indicator includes response coordinates, and wherein the operations further comprise determining in (d) based on the response coordinates matching previously-submitted coordinates of the previously-submitted authentication information within predetermined threshold.

11. The non-transitory computer-readable device of claim 7 , wherein the geographic indicator includes response coordinates, and wherein the operations further comprise determining in (d) is based on:

determining expected coordinates associated with the particular geographic location;

determining a distance between the response coordinates and the expected coordinates;

determining a threshold value based on the distance; and

determining whether the distance is less than the threshold value.

12. The non-transitory computer-readable device of claim 7 , wherein the geographic indicator includes response coordinates, and wherein the operations further comprise determining in (d) is based on:

determining expected coordinates associated with the particular geographic location; and

determining whether the response coordinates fall within a geofence associated with the expected coordinates.

13. A system comprising:

a memory;

a communication interface, coupled to the memory; and

one or more processors, coupled to the memory, and configured to:

(a) present, via the communication interface, a geographic map with a challenge based on a multi-factor authentication (MFA) process to log in to an account, the challenge requiring a user to provide authentication input via the map by marking a particular geographic location on the geographic map;

(b) receive, via the communication interface, an authentication attempt, the authentication attempt including:

(i) a geographic indicator marking the particular geographic location on the geographic map selected by the user, and

(ii) current interaction information describing user interactions with the geographic map comprising series of gestures for selecting the particular geographic location;

(c) compare the current interaction information to previously-submitted authentication information, wherein the previously-submitted authentication information specifies an expected series of gestures used to navigate to the particular geographic location on the geographic map as a response to the challenge;

(d) is based at least in part on the current interaction information, determine whether the particular geographic location was selected by a human by comparing the series of gestures of the current interaction information to the expected series of gestures of the previously-submitted authentication information to determine if they match within a predetermined threshold but do not exactly match; and

(e) send, via the communication interface, an authentication result with an indication whether the particular geographic location was determined to be selected by the human based on the determining in (d).

14. The system of claim 13 , wherein the series of gestures of the current interaction information and the expected series of gestures of the previously-submitted authentication information include a single touch gesture, a multi-tap gesture, a swipe, or a circle on a graphical user interface displaying the geographic map.

15. The system of claim 13 , wherein the one or more processors are configured to determine the particular geographic location was selected by a computer attempting to impersonate the human based on the current interaction information matching exactly the previously-submitted authentication information.

16. The system of claim 13 , wherein the geographic indicator includes response coordinates, and wherein the one or more processors are further configured to determine in (d) based on the response coordinates matching previously-submitted coordinates of the previously-submitted authentication information within the predetermined threshold.

17. The system of claim 13 , wherein the geographic indicator includes response coordinates, and wherein the one or more processors are further configured to determine in (d) based on:

determining expected coordinates associated with the particular geographic location;

determining a distance between the response coordinates and the expected coordinates;

determining a threshold value based on the distance; and

determining whether the distance is less than the threshold value.

Assignments (1)
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded May 27, 2020
From: CUAN, LUKIIH; LOUCKS, ERIC; EDWARDS, JOSHUA
To: CAPITAL ONE SERVICES, LLC
Reel/Frame 052762/0361 →
Continuity (2)
Continuation 16565038 · Sep 9, 2019
Related Publication 20210075796A1 · Mar 11, 2021