Patent ID: 11954197
Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
Field: Computer technology (Electrical engineering)
Classification: CPC G | IPC G

Claim 9:
10. A server computer comprising:
a processor; and
a memory element comprising code, executable by the processor, for implementing a method comprising:
determining that access data associated with a user has changed;
identifying, from a plurality of access requests involving the user, a plurality of recurring access requests between a client device associated with the user and a plurality of resource provider computers that each utilize the access data; and
responsive to said determining, automatically transmitting changed access data to the plurality of resource provider computers or a plurality of transport computers associated with the resource provider computers,
wherein the step of identifying the plurality of recurring access requests comprises performing, for each of the plurality of recurring access requests:
accessing a database including information related to access requests;
querying the database for data records associated with the user using at least some of the access data;
determining a set of the plurality of access requests that involve a resource provider computer from the plurality of resource provider computers based on the data records;
detecting a pattern associated with at least a portion of the set of the plurality of access requests; and
determining that the at least the portion of the set of the plurality of access requests are recurring access requests based on the detected pattern,
wherein the recurring access requests occur on a periodic or non-periodic basis.