Granted Patent B2

US 12,659,317 · App. 18/348,322 · Granted Jun 16, 2026

Inventors: Paul Warner (Reston, VA); Sam Walczak (Columbia, MD); Nikhil Srikanth (Richmond, VA)

Assignee: Capital One Services, LLC

H04L63/102G06F16/2255H04L63/108

Abstract

Claims (70)

1 . A system for increasing network security related to accessing network services, the system comprising:

one or more processors executing computer program instructions that, when executed, cause operations comprising:

receiving, from a first mobile device associated with a first user, a request to generate a composite hash with composite hash parameters, the composite hash parameters comprising (i) user information associated with the first user, (ii) an access time, and (iii) a key;

generating, based on the composite hash parameters, the composite hash, wherein the composite hash is a hash of the composite hash parameters;

causing storage of the composite hash at a local auxiliary device by transmitting the composite hash to the local auxiliary device; and

in response to encoding the composite hash into a graphical representation, transmitting the graphical representation to a second mobile device associated with a second user different from the first user,

wherein the graphical representation enables the second user to access one or more network resources related to the user information associated with the first user by causing the local auxiliary device to grant access to the one or more network resources based on a match between the composite hash stored at the local auxiliary device and information provided by the second user.

2 . A method, the method comprising:

receiving, from a first mobile device associated with a first user, a request to generate a composite hash with composite hash parameters, the composite hash parameters comprising (i) user information associated with the first user and (ii) a key;

generating, based on the composite hash parameters, the composite hash;

causing storage of the composite hash at a local auxiliary device by transmitting the composite hash to the local auxiliary device; and

generating a graphical representation of the composite hash and transmitting the graphical representation to a second mobile device, wherein the graphical representation enables access to one or more network resources related to the user information associated with the first user by causing the local auxiliary device to grant access to the one or more network resources based on a match between the composite hash stored at the local auxiliary device and information associated with the second mobile device.

3 . The method of claim 2 , further comprising:

determining, based on the request, a geographic location;

identifying, based on the geographic location, a second local auxiliary device associated with the geographic location to which the composite hash is to be transmitted; and

causing storage of the composite hash at the second local auxiliary device associated with the geographic location by transmitting the composite hash to the second local auxiliary device.

4 . The method of claim 2 , further comprising:

receiving, from the local auxiliary device, a request to access the one or more network resources, wherein the request comprises (i) the composite hash via the graphical representation, (ii) a candidate key inputted by a second user at the local auxiliary device, and (iii) location information associated with the local auxiliary device;

identifying, by querying a database with the location information associated with the local auxiliary device, a set of composite hash and key combinations, wherein each composite hash and key combination of the set of composite hash and key combinations is associated with the location information;

determining, based on the set of composite hash and key combinations, a corresponding composite hash and key combination, wherein the corresponding composite hash and key combination respectively matches the composite hash via the graphical representation and the candidate key inputted by the second user; and

in response to determining the corresponding composite hash and key combination, transmitting an authorization command to the local auxiliary device to enable access to the one or more network resources.

5 . The method of claim 2 , further comprising:

determining, based on the request, a second local auxiliary device to transmit the composite hash to, wherein the second local auxiliary device is associated with a geographic location; and

causing storage of the composite hash at the second local auxiliary device by transmitting the composite hash to the second local auxiliary device.

6 . The method of claim 2 , wherein the composite hash parameters further comprise a first resource amount associated with the one or more network resources, and wherein the graphical representation enables access to the one or more network resources with respect to the first resource amount.

7 . The method of claim 2 , wherein the composite hash parameters further comprise an access time associated with the one or more network resources, and wherein the graphical representation enables access to the one or more network resources in accordance with the access time.

8 . The method of claim 2 , further comprising:

receiving, from the local auxiliary device, an indication of access to the one or more network resources related to the user information associated with the first user via the graphical representation; and

in response to receiving the indication of access, invalidating the composite hash such that subsequent access to the one or more network resources via the composite hash is disabled.

9 . The method of claim 8 , further comprising:

in response to invalidating the composite hash, causing an invalidation of the stored composite hash at the local auxiliary device by transmitting an invalidation request to the local auxiliary device.

10 . The method of claim 2 , further comprising:

receiving, from the local auxiliary device, a request to access the one or more network resources, wherein the request comprises (i) the composite hash via the graphical representation and (ii) a candidate key inputted by a second user at the local auxiliary device;

determining, by querying a database with the composite hash, a corresponding key;

determining a match between the corresponding key and the candidate key; and

in response to determining the match, transmitting an authorization command to the local auxiliary device to enable access to the one or more network resources.

11 . One or more A-non-transitory computer-readable media storing instructions that, when executed by one or more processors, cause operations comprising:

receiving a request to generate a composite hash with one or more composite hash parameters, the one or more composite hash parameters comprising (i) user information associated with a first user and (ii) a key;

generating, based on the one or more composite hash parameters, the composite hash;

causing storage of the composite hash at a local auxiliary device by transmitting the composite hash to the local auxiliary device; and

generating a graphical representation of the composite hash and transmitting the graphical representation to a user device, wherein the graphical representation enables access to one or more network resources related to the user information associated with the first user by causing the local auxiliary device to grant access to the one or more network resources based on a match between the composite hash stored at the local auxiliary device and information associated with the user device.

12 . The one or more non-transitory computer-readable media of claim 11 , wherein the operations further comprise:

determining, based on the request, a geographic location;

identifying, based on the geographic location, a second local auxiliary device associated with the geographic location to which the composite hash is to be transmitted; and

causing storage of the composite hash at the second local auxiliary device associated with the geographic location by transmitting the composite hash to the second local auxiliary device.

13 . The one or more non-transitory computer-readable media of claim 11 , wherein the operations further comprise:

receiving, from the local auxiliary device, a request to access the one or more network resources, wherein the request comprises (i) the composite hash via the graphical representation, (ii) a candidate key inputted by a second user at the local auxiliary device, and (iii) location information associated with the local auxiliary device;

identifying, by querying a database with the location information associated with the local auxiliary device, a set of composite hash and key combinations, wherein each composite hash and key combination of the set of composite hash and key combinations is associated with the location information;

determining, based on the set of composite hash and key combinations, a corresponding composite hash and key combination, wherein the corresponding composite hash and key combination respectively matches the composite hash via the graphical representation and the candidate key inputted by the second user; and

in response to determining the corresponding composite hash and key combination, transmitting an authorization command to the local auxiliary device to enable access to the one or more network resources.

14 . The one or more non-transitory computer-readable media of claim 11 , wherein the operations further comprise:

determining, based on the request, a second local auxiliary device to transmit the composite hash to, wherein the second local auxiliary device is associated with a geographic location; and

causing storage of the composite hash at the second local auxiliary device by transmitting the composite hash to the second local auxiliary device.

15 . The one or more non-transitory computer-readable media of claim 11 , wherein the one or more composite hash parameters further comprise a first resource amount associated with the one or more network resources, and wherein the graphical representation enables access to the one or more network resources with respect to the first resource amount.

16 . The one or more non-transitory computer-readable media of claim 11 , wherein the one or more composite hash parameters further comprise an access time associated with the one or more network resources, and wherein the graphical representation enables access to the one or more network resources in accordance with the access time.

17 . The one or more non-transitory computer-readable media of claim 11 , wherein the one or more composite hash parameters further comprise an access time associated with the one or more network resources, the operations further comprising:

receiving, from the local auxiliary device, a request to access the one or more network resources, wherein the request comprises (i) the composite hash via the graphical representation, (ii) a candidate key inputted by a second user at the local auxiliary device, and (iii) an access time associated with the request to access the one or more network resources;

identifying, by querying a database with the access time, a set of composite hash and key combinations, wherein each composite hash and key combination of the set of composite hash and key combinations is associated with an access time range, the access time being within the access time range;

determining, based on the set of composite hash and key combinations, a corresponding composite hash and key combination, wherein the corresponding composite hash and key combination respectively matches the composite hash via the graphical representation and the candidate key inputted by the second user; and

in response to determining the corresponding composite hash and key combination, transmitting an authorization command to the local auxiliary device to enable access to the one or more network resources.

18 . The one or more non-transitory computer-readable media of claim 11 , wherein the operations further comprise:

receiving, from the local auxiliary device, an indication of access to the one or more network resources related to the user information associated with the first user via the graphical representation; and

in response to receiving the indication of access, invalidating the composite hash such that subsequent access to the one or more network resources via the composite hash is disabled.

19 . The one or more non-transitory computer-readable media of claim 18 , wherein the operations further comprise:

in response to invalidating the composite hash, causing an invalidation of the composite hash stored at the local auxiliary device by transmitting an invalidation request to the local auxiliary device.

20 . The one or more non-transitory computer-readable media of claim 11 , wherein the operations further comprise:

receiving, from the local auxiliary device, a request to access the one or more network resources, wherein the request comprises (i) the composite hash via the graphical representation and (ii) a candidate key inputted by a second user at the local auxiliary device;

determining, by querying a database with the composite hash and the key, a corresponding key;

determining a match between the corresponding key and the candidate key; and

in response to determining the match, transmitting an authorization command to the local auxiliary device to enable access to the one or more network resources.

Assignments (1)

Continuity (1)

References Cited (11)