Capital One Secure Authentication Using Machine Learning
Summary
The European Patent Office published Capital One Services LLC's patent application EP4341836A1 for methods and systems facilitating secure user authentication based on known data using machine learning. The invention relates to training neural networks with known user information to authenticate users through facial recognition, behavioral patterns, and other biometric factors. The patent application covers designated European states including Germany, France, the United Kingdom, Italy, Spain, and other EU member states.
What changed
The EPO published Capital One Services' patent application for machine learning-based secure authentication systems. The invention describes methods for training neural networks using known user data—including facial recognition, behavioral patterns, and biometric factors—to verify user identity across digital platforms. The patent application covers multiple IPC classifications related to AI, machine learning, computer vision, and wireless security protocols.
Technology companies developing authentication systems and financial services firms implementing ML-based identity verification should monitor this patent application. Upon grant, the patent would give Capital One exclusive rights to practice these authentication methods in Europe, potentially requiring competitors to seek licensing or develop alternative approaches.
Archived snapshot
Apr 18, 2026GovPing 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.
METHODS AND SYSTEMS FOR FACILITATING SECURE AUTHENTICATION OF USERS BASED ON KNOWN DATA
Publication EP4341836A1 Kind: A1 Apr 08, 2026
Applicants
Capital One Services, LLC
Inventors
WALTERS, Austin, GOODSITT, Jeremy, RAFFERTY, Galen, TRUONG, Anh, EDEN, Grant
IPC Classifications
G06N 3/0455 20230101AFI20251014BHEP G06N 3/0475 20230101ALI20251014BHEP G06F 21/32 20130101ALI20251014BHEP G06F 21/36 20130101ALI20251014BHEP G06N 3/045 20230101ALI20251014BHEP G06N 3/084 20230101ALI20251014BHEP G06V 10/764 20220101ALI20251014BHEP G06V 10/772 20220101ALI20251014BHEP G06V 10/82 20220101ALI20251014BHEP G06V 10/94 20220101ALI20251014BHEP G06V 40/10 20220101ALI20251014BHEP H04W 12/06 20210101ALI20251014BHEP G06N 3/09 20230101ALI20251014BHEP G06N 3/094 20230101ALI20251014BHEP G06N 3/096 20230101ALI20251014BHEP
Designated States
AL, AT, BE, BG, CH, CY, CZ, DE, DK, EE, ES, FI, FR, GB, GR, HR, HU, IE, IS, IT, LI, LT, LU, LV, MC, MK, MT, NL, NO, PL, PT, RO, RS, SE, SI, SK, SM, TR
Named provisions
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