Inventor · disambiguated record

David Septimus

Also filed as: SEPTIMUS DAVID

34 granted patents·17 pending applications·11 citations·filing 2021–2025

94Inventor score

Technology areasG06Q G06F H04L G06N G10L

Files withCAPITAL ONE SERVICES LLC50 CAPITAL ONC SERVICES LLC1

Top patents by PatentIndex Score

51 records

0195US12072959B2Detecting separate login during action based knowledge-based authentication and disqualifying validityCAPITAL ONE SERVICES LLC·Filed 2021·Granted Aug 27, 2024·3 cites·20 claims
0294US11995175B2Favorite merchants selection in transaction based authenticationCAPITAL ONE SERVICES LLC·Filed 2021·Granted May 28, 2024·3 cites·20 claims
0391US12020250B2Transaction based authentication with item-level dataCAPITAL ONE SERVICES LLC·Filed 2021·Granted Jun 25, 2024·2 cites·20 claims
0488US12056221B2Excluding fraudulent transactions in transaction based authenticationCAPITAL ONE SERVICES LLC·Filed 2022·Granted Aug 6, 2024·1 cites·20 claims
0583US11960592B2Preventing unauthorized access to personal data during authentication processesCAPITAL ONE SERVICES LLC·Filed 2021·Granted Apr 16, 2024·1 cites·20 claims
0682US11785007B2Email processing for improved authentication question accuracyCAPITAL ONE SERVICES LLC·Filed 2021·Granted Oct 10, 2023·1 cites·20 claims
0781US12282922B2Authenticating based on behavioral transactional patternsCAPITAL ONE SERVICES LLC·Filed 2024·Granted Apr 22, 2025·0 cites·20 claims
0879US12321442B2Favorite merchants selection in transaction based authenticationCAPITAL ONE SERVICES LLC·Filed 2024·Granted Jun 3, 2025·0 cites·20 claims
0979US12197555B2Authentication question improvement based on vocal confidence processingCAPITAL ONE SERVICES LLC·Filed 2024·Granted Jan 14, 2025·0 cites·20 claims
1079US2025016156A1Email Processing for Improved Authentication Question AccuracyCAPITAL ONE SERVICES LLC·Filed 2024·Application pending·0 cites
1178US12242576B2Detecting separate login during action based knowledge-based authentication and disqualifying validityCAPITAL ONE SERVICES LLC·Filed 2024·Granted Mar 4, 2025·0 cites·20 claims
1278US12229231B2Generation of authentication questions based on user-created transaction limitationsCAPITAL ONE SERVICES LLC·Filed 2024·Granted Feb 18, 2025·0 cites·20 claims
1378US12120114B2Email processing for improved authentication question accuracyCAPITAL ONE SERVICES LLC·Filed 2023·Granted Oct 15, 2024·0 cites·20 claims
1477US12363090B2Account authentication excluding merchants based on merchant logosCAPITAL ONE SERVICES LLC·Filed 2024·Granted Jul 15, 2025·0 cites·20 claims
1577US12261850B2Physical environment based account authenticationCAPITAL ONE SERVICES LLC·Filed 2024·Granted Mar 25, 2025·0 cites·20 claims
1677US12086807B2User authentication based on account transaction information in text fieldCAPITAL ONE SERVICES LLC·Filed 2023·Granted Sep 10, 2024·0 cites·20 claims
1776US12511656B1Excluding fraudulent transactions in transaction based authenticationCAPITAL ONE SERVICES LLC·Filed 2024·Granted Dec 30, 2025·0 cites·20 claims
1875US12417275B2Preventing unauthorized access to personal data during authentication processesCAPITAL ONE SERVICES LLC·Filed 2024·Granted Sep 16, 2025·0 cites·20 claims
1975US12045816B2Authentication question topic exclusion based on response hesitationCAPITAL ONE SERVICES LLC·Filed 2023·Granted Jul 23, 2024·0 cites·20 claims
2075US2024362633A1Using an Always on Listening Device Skill to Relay Answers to Transaction-Based Knowledge-Based AuthenticationsCAPITAL ONC SERVICES LLC·Filed 2024·Application pending·0 cites
2174US2024330929A1Authentication Question Topic Exclusion Based on Response HesitationCAPITAL ONE SERVICES LLC·Filed 2024·Application pending·0 cites
2273US12067564B2Using an always on listening device skill to relay answers to transaction-based knowledge-based authenticationsCAPITAL ONE SERVICES LLC·Filed 2023·Granted Aug 20, 2024·0 cites·20 claims
2373US2025225517A1Authenticating Based on Behavioral Transaction PatternsCAPITAL ONE SERVICES LLC·Filed 2025·Application pending·0 cites
2471US12242592B2User presence detection for authentication question generationCAPITAL ONE SERVICES LLC·Filed 2024·Granted Mar 4, 2025·0 cites·20 claims
2570US12332993B2Third party data processing for improvement of authentication questionsCAPITAL ONE SERVICES LLC·Filed 2023·Granted Jun 17, 2025·0 cites·20 claims
2670US11900377B2Authenticating based on behavioral transactional patternsCAPITAL ONE SERVICES LLC·Filed 2021·Granted Feb 13, 2024·0 cites·20 claims
2770US11663598B2Authentication question topic exclusion based on response hesitationCAPITAL ONE SERVICES LLC·Filed 2021·Granted May 30, 2023·0 cites·20 claims
2869US11783334B2Using an always on listening device skill to relay answers to transaction-based knowledge-based authenticationsCAPITAL ONE SERVICES LLC·Filed 2021·Granted Oct 10, 2023·0 cites·18 claims
2969US2024283788A1Account Authentication Using Synthetic MerchantsCAPITAL ONE SERVICES LLC·Filed 2024·Application pending·0 cites
3068US11775973B2User authentication based on account transaction information in text fieldCAPITAL ONE SERVICES LLC·Filed 2021·Granted Oct 3, 2023·0 cites·20 claims
3167US11954192B2Authentication question improvement based on vocal confidence processingCAPITAL ONE SERVICES LLC·Filed 2021·Granted Apr 9, 2024·0 cites·20 claims
3267US11907343B2Generation of authentication questions based on user-created transaction limitationsCAPITAL ONE SERVICES LLC·Filed 2021·Granted Feb 20, 2024·0 cites·20 claims
3366US2025159081A1Systems and methods for authenticating calls for a call centerCAPITAL ONE SERVICES LLC·Filed 2025·Application pending·0 cites
3465US11962602B2Physical environment based account authenticationCAPITAL ONE SERVICES LLC·Filed 2022·Granted Apr 16, 2024·0 cites·20 claims
3564US12028325B2Account authentication excluding merchants based on merchant logosCAPITAL ONE SERVICES LLC·Filed 2021·Granted Jul 2, 2024·0 cites·20 claims
3662US11886570B2Third party data processing for improvement of authentication questionsCAPITAL ONE SERVICES LLC·Filed 2021·Granted Jan 30, 2024·0 cites·20 claims
3760US12010110B2Account authentication using synthetic merchantsCAPITAL ONE SERVICES LLC·Filed 2021·Granted Jun 11, 2024·0 cites·20 claims
3859US12212716B2Systems and methods for authenticating calls for a call centerCAPITAL ONE SERVICES LLC·Filed 2022·Granted Jan 28, 2025·0 cites·21 claims
3959US12019732B2User presence detection for authentication question generationCAPITAL ONE SERVICES LLC·Filed 2021·Granted Jun 25, 2024·0 cites·20 claims
4057US2024013211A1Computer Authentication Using Transaction Questions That Exclude Peer-to-Peer TransactionsCAPITAL ONE SERVICES LLC·Filed 2022·Application pending·0 cites
4155US2024202032A1Systems and methods for generating real-time resource reduction notificationsCAPITAL ONE SERVICES LLC·Filed 2022·Application pending·0 cites
4255US2023133070A1Excluding transactions from related users in transaction based authenticationCAPITAL ONE SERVICES LLC·Filed 2021·Application pending·0 cites
4353US11823197B2Authenticating based on user behavioral transaction patternsCAPITAL ONE SERVICES LLC·Filed 2021·Granted Nov 21, 2023·0 cites·20 claims
4453US2023004972A1Dynamic Question Presentation in Computer-Based Authentication ProcessesCAPITAL ONE SERVICES LLC·Filed 2021·Application pending·0 cites
4553US2023074819A1Authentication Question Generation Based on Statement AvailabilityCAPITAL ONE SERVICES LLC·Filed 2021·Application pending·0 cites
4653US2023037692A1Static Authentication Questions for Account AuthenticationCAPITAL ONE SERVICES LLC·Filed 2021·Application pending·0 cites
4752US2022391905A1Authentication of Users Using Historical Tipping Information to Generate Authentication QuestionsCAPITAL ONE SERVICES LLC·Filed 2021·Application pending·0 cites
4852US2022414652A1Prioritizing Holds When Selecting Transactions for Transaction-Based Knowledge-Based AuthenticationCAPITAL ONE SERVICES LLC·Filed 2021·Application pending·0 cites
4951US2022292497A1Transaction Based Authentication with Refunded Transactions RemovedCAPITAL ONE SERVICES LLC·Filed 2021·Application pending·0 cites
5051US2022292505A1Eliminating Transactions from Connected Accounts from False Answer Choices in Transaction QuestionsCAPITAL ONE SERVICES LLC·Filed 2021·Application pending·0 cites

Showing the top 50 of 51 patent records by PatentIndex Score.

Join the waitlist — get patent alerts

Get an alert when David Septimus files or is granted a new patent.

We store only your email — no account needed. See our privacy policy.

Identity basis: PatentsView inventor disambiguation (2025Q4-odp release). How scoring works →