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Systems and methods for triggering token alerts

Grant US12580946B2 Kind: B2 Mar 17, 2026

Assignee

Capital One Services, LLC

Inventors

Samuel Sharpe, Galen Rafferty, Brian Barr, Jeremy Goodsitt, Michael Davis, Taylor Turner, Owen Reinert, Tyler Farnan

Abstract

Systems and methods for triggering token alerts. In some aspects, the system, after determining that the probability that an authentication request from an authentication token is associated with a malicious activity is above a threshold, determines whether a user device associated with the authentication token is within a threshold distance of the authentication token. In response to determining that the authentication token is not within the threshold distance of the user device, the system declines the authentication request and transmits an alert request to the authentication token to emit an audio signal from a speaker included in the authentication token.

CPC Classifications

H04L 63/1441 H04L 63/083 H04L 63/107 H04L 63/1416 H04L 63/1425 H04L 63/20 H04W 12/02 H04W 12/06

Filing Date

2023-05-26

Application No.

18324945

Claims

17