Granted Patent B2

US 12,323,406 · App. 17/812,601 · Granted Jun 3, 2025

Inventors: Aaron Wright (Midlothian, VA); Kelly Morse Kornman (Mechanicsville, VA); Omer Alrefaai (Dublin, OH)

Assignee: Capital One Services, LLC

H04L63/08H04L51/42

Abstract

Claims (73)

1. A system for authenticating a user interaction with an interaction party, the system comprising:

one or more memories; and

one or more processors, communicatively coupled to the one or more memories, configured to:

receive, from a user device of a user, user e-mail data indicating an e-mail address and an e-mail password associated with an e-mail account of the user,

wherein the e-mail account is hosted by an e-mail server;

store the user e-mail data in a data structure under a user account of the user;

access, via the e-mail server, the e-mail account of the user via the e-mail address and the e-mail password;

scan, based on accessing the e-mail account of the user, a subject line or a body of a particular e-mail message in the e-mail account of the user;

identify, in the e-mail account and based on scanning the subject line or the body of the particular e-mail message, a sign-up authentication e-mail message that was transmitted to the user in association with a sign-up by the user with the interaction party based on one or more sign-up indicators associated with the sign-up authentication e-mail message,

wherein the sign-up authentication e-mail message includes a link to authenticate the sign-up with the interaction party by the user;

transmit, based at least in part on identifying the sign-up authentication e-mail message in the e-mail account, a pop-up notification to the user device,

wherein the pop-up notification requests confirmation from the user that the user signed up for an account with the interaction party;

receive, from the user device and in response to the pop-up notification, a user input confirming that the user signed up for the account with the interaction party; and

activate, based on receiving the user input, the link in the sign-up authentication e-mail message to authenticate the sign-up with the interaction party by the user.

2. The system of claim 1 , wherein the one or more sign-up indicators are located in the subject line of the sign-up authentication e-mail message.

3. The system of claim 2 , wherein the one or more sign-up indicators include a preset subject line.

4. The system of claim 1 , wherein the one or more sign-up indicators are located in the body of the sign-up authentication e-mail message.

5. The system of claim 1 , wherein the one or more processors, to identify the sign-up authentication e-mail message associated with the sign-up, are configured to:

scan the e-mail account until a new e-mail message is received by the e-mail account; and

scan the new e-mail message for the one or more sign-up indicators.

6. The system of claim 1 , wherein the one or more processors, to identify the sign-up authentication e-mail message associated with the sign-up, are configured to:

scan the e-mail account at set times or time intervals for one or more new e-mail messages; and

scan the one or more new e-mail messages for the one or more sign-up indicators.

7. The system of claim 1 , wherein the one or more sign-up indicators include a first name of the user and a last name of the user.

8. The system of claim 1 , wherein the one or more processors are further configured to:

transmit, to an interaction party server of the interaction party, identifier data indicating a sign-up code,

wherein the one or more sign-up indicators include the sign-up code.

9. A method of authenticating a user interaction with an interaction party, comprising:

establishing, by a system having one or more processors, a connection with an e-mail server that hosts an e-mail account of a user;

obtaining, by the system and from a user account associated with the user, an e-mail address and an e-mail password associated with the e-mail account;

accessing, by the system and via the e-mail server, the e-mail account via the e-mail address and the e-mail password;

scanning, based on accessing the e-mail, a subject line or a body of a particular e-mail message in the e-mail account;

identifying, by the system, in the e-mail account, and based on scanning the subject line or the body of the particular e-mail message, a sign-up authentication e-mail message that was transmitted to the user in association with a sign-up by the user with the interaction party based on one or more sign-up indicators associated with the sign-up authentication e-mail message,

wherein the sign-up authentication e-mail message includes a link to authenticate the sign-up with the interaction party by the user;

transmitting, by the system and based at least in part on identifying the sign-up authentication e-mail message in the e-mail account, a pop-up notification to a user device of the user,

wherein the pop-up notification requests confirmation from the user that the user signed up for an account with the interaction party;

receiving, by the system and from the user device and in response to the pop-up notification, a user input confirming that the user signed up for the account with the interaction party; and

activating, by the system and based on receiving the user input, the link in the sign-up authentication e-mail message to authenticate the sign-up with the interaction party by the user.

10. The method of claim 9 , further comprising:

transmitting, to an interaction party server of the interaction party, identifier data indicating a sign-up code,

wherein the one or more sign-up indicators include the sign-up code.

11. The method of claim 9 , further comprising:

transmitting, to an interaction party server of the interaction party, a reply authentication e-mail message formatted in a manner by which the interaction party server is able to confirm the sign-up by the user.

12. The method of claim 9 , further comprising:

receiving, from the user device, user e-mail data indicating the e-mail address and the e-mail password; and

storing, in a data structure associated with the user account, the user e-mail data.

13. The method of claim 9 , wherein the one or more sign-up indicators are located in the subject line of the sign-up authentication e-mail message.

14. The method of claim 9 , wherein the one or more sign-up indicators are located in the body of the sign-up authentication e-mail message.

15. A non-transitory computer-readable medium storing a set of instructions, the set of instructions comprising:

one or more instructions that, when executed by one or more processors of a device, cause the device to:

receive, from a user device of a user, user e-mail data indicating an e-mail address and an e-mail password associated with an e-mail account of the user,

wherein the e-mail account is hosted by an e-mail server;

access, via the e-mail server, the e-mail account of the user via the e-mail address and the e-mail password;

scan, based on accessing the e-mail account of the user, a subject line or a body of a particular e-mail message in the e-mail account of the user;

identify, in the e-mail account and based on scanning the subject line or the body of the particular e-mail message, a sign-up authentication e-mail message that was transmitted to the user in association with a sign-up by the user with an interaction party based on one or more sign-up indicators associated with the sign-up authentication e-mail message,

wherein the sign-up authentication e-mail message includes a link to authenticate the sign-up with the interaction party by the user;

transmit, based at least in part on identifying the sign-up authentication e-mail message in the e-mail account, a pop-up notification to the user device,

wherein the pop-up notification requests confirmation from the user that the user signed up for an account with the interaction party;

receive, from the user device and in response to the pop-up notification, a user input confirming that the user signed up for the account with the interaction party; and

activate, based on receiving the user input, the link in the sign-up authentication e-mail message to authenticate the sign-up with the interaction party by the user.

16. The non-transitory computer-readable medium of claim 15 , wherein the one or more instructions, when executed by the one or more processors, further cause the device to:

transmit, to the user device and based at least in part on identifying the sign-up authentication e-mail message in the e-mail account, a notification requesting confirmation from the user that the user signed up for an account with the interaction party; and

receive, from the user device, a user input confirming that the user signed up for the account with the interaction party,

wherein authenticating the sign-up is based on receiving the user input.

17. The non-transitory computer-readable medium of claim 15 , wherein the one or more instructions, when executed by the one or more processors, further cause the device to:

transmit, to an interaction party server of the interaction party, a reply authentication e-mail message formatted in a manner by which the interaction party server is able to confirm the sign-up by the user.

18. The non-transitory computer-readable medium of claim 15 , wherein the one or more instructions, that cause the device to identify the sign-up authentication e-mail message associated with the sign-up, cause the device to:

scan the e-mail account until a new e-mail message is received by the e-mail account; and

scan the new e-mail message for the one or more sign-up indicators.

19. The non-transitory computer-readable medium of claim 15 , wherein the one or more instructions, that cause the device to identify the sign-up authentication e-mail message associated with the sign-up, cause the device to:

scan the e-mail account at set times or time intervals for one or more new e-mail messages; and

scan the one or more new e-mail messages for the one or more sign-up indicators.

20. The non-transitory computer-readable medium of claim 15 , wherein the one or more sign-up indicators are located in the body of the sign-up authentication e-mail message.

Assignments (1)

Continuity (1)

References Cited (50)