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Dynamic Token Security System for Network Environments

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Summary

The USPTO published patent application US20260100837A1 assigned to Capital One Services, LLC. The application discloses systems and methods for improving security in network environments by dynamically generating access credentials offline that are resilient to impersonation attempts. The system retrieves token templates for remote services and uses multiple object-based storage devices to generate dynamic tokens.

What changed

The USPTO published a patent application (US20260100837A1) disclosing a dynamic token security system developed by Capital One Services, LLC inventors Suman Garrepalli, David Harrington, and William Graf. The system receives external requests for dynamically generated tokens and retrieves corresponding token templates, then selects multiple object-based storage devices to generate token portions that populate the template.\n\nFor affected parties in the financial services and technology sectors, this patent represents potential intellectual property that could affect future competitive positioning in network security and authentication technology. Patent publications do not create immediate compliance obligations but may influence future product development strategies and technology licensing considerations.

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Archived snapshot

Apr 12, 2026

GovPing captured this document from the original source. If the source has since changed or been removed, this is the text as it existed at that time.

← USPTO Patent Applications

SYSTEMS AND METHODS FOR IMPROVING SECURITY IN NETWORK ENVIRONMENTS

Application US20260100837A1 Kind: A1 Apr 09, 2026

Assignee

Capital One Services, LLC

Inventors

Suman Garrepalli, David Harrington, William Graf

Abstract

Systems and methods are described herein for improving security in network environments by dynamically generating access credentials off-line that are resilient to impersonation attempts. For example, the system may receive, at a local token service, a first external request from a remote token service for a first dynamically generated token. The system may retrieve, at the local token service, a first token template for the remote token service. The system may, based on the first token template, select a first object-based storage device and a second object-based storage device. The system may transmit, by the local token service, a first internal request to the first object-based storage device and a second internal request to the second object-based storage device. The system may populate the first token template with the first token portion and the second token portion to generate the first dynamically generated token.

CPC Classifications

H04L 9/3213

Filing Date

2025-12-10

Application No.

19415700

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Named provisions

Abstract CPC Classifications Filing Date Application No.

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Last updated

Classification

Agency
USPTO
Published
April 9th, 2026
Instrument
Notice
Legal weight
Non-binding
Stage
Final
Change scope
Minor
Document ID
US20260100837A1

Who this affects

Applies to
Banks Technology companies
Industry sector
5221 Commercial Banking
Activity scope
Patent application Network authentication Token generation
Geographic scope
United States US

Taxonomy

Primary area
Intellectual Property
Operational domain
IT Security
Topics
Cybersecurity Financial Services

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