Patent ID: 11936651
Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
Field: Digital communication (Electrical engineering)
Classification: CPC G  H | IPC G  H

Claim 9:
10. A service provider computer comprising:
a processor; and
a memory including instructions that, when executed with the processor, cause the service provider computer to, at least:
receive, from a user device, a request to access an account, the request including a device identifier and login credentials;
determine a current state of the account;
upon determining that the current state of the account is a high-risk state, and upon determining that the login credentials are valid:
retrieve a verification cookie from the memory of the user device;
determine whether the verification cookie is valid, wherein determining comprises:
determining whether a creation date of the verification cookie is before or after a date attributed to a breach detected with respect to the account; and

provide access to the account via the user device only if the verification cookie is valid.