Patent ID: 11916917
Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
Field: Digital communication (Electrical engineering)
Classification: CPC H  G | IPC G  H

Claim 8:
9. A method comprising:
receiving, by a server computer from a requesting device, a request for access to a resource to a user device, the request comprising access data;
analyzing, by the server computer, the access data in comparison to a plurality of exemptions, wherein if one or more of the plurality of exemptions applies to the access data, authentication is not required;
based on the access data, determining, by the server computer, that one or more exemptions apply to the access request;
transmitting an authorization request message to an authorization computer, the authorization request message comprising an indication that an exemption, of the plurality of exemptions, has been applied; and
receiving, from the authorization computer, an indication that the exemption has been overridden and authentication is required;
transmitting, by the server computer to an authentication computer, an authentication request message comprising at least a subset of the access data;
receiving, by the server computer from the authentication computer, an authentication response message comprising authentication data corresponding to a level of authentication of the user device by the authentication computer, wherein the authentication computer generated the authentication data based on the access data;
determining, by the server computer, an access score based on the authentication data and the access data; and
determining, by the server computer based on the access score, whether to transmit an updated authorization request message to the authorization computer.