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

Claim 0:
1. A method comprising:
receiving, at a service provider computer from a user device, a request to access an account, the request including a device identifier and login credentials;
determining, by the service provider computer, whether the account is in a high-risk state or a low-risk state;
upon determining that the account is in a low-risk state, and upon determining that the login credentials are valid:
generating a verification cookie from the device identifier;
providing the verification cookie to the user device for storage in a memory of the user device; and
providing access to the account via the user device; and

upon determining that the account is in a high-risk state, and upon determining that the login credentials are valid:
retrieving the verification cookie from the memory of the user device;
determining whether the verification cookie is valid, the 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

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