US Patent Issued to Capital One Services on Sept. 1 for "Dynamic identity proofing" (Virginia, Illinois Inventors)

ALEXANDRIA, Va., Sept. 1 -- United States Patent no. 12,725,163, issued on Sept. 1, was assigned to Capital One Services LLC (McLean, Va.).

"Dynamic identity proofing" was invented by Jeffrey Carlyle Wieker (Falls Church, Va.) and Tariq Delwar (Naperville, Ill.).

According to the abstract* released by the U.S. Patent & Trademark Office: "Systems as described herein may implement a mechanism for dynamic identity proofing. A dynamic identity proofing system may receive first user input information and browser information from a user device conducting a transaction with an interaction entity. The system may determine a risk score indicating a likelihood the transaction is fraudulent. Based on the risk score exceeding a threshold value, the s...