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

Claim 13:
14. A server computer comprising:
a processor; and
a non-transitory computer-readable medium coupled to the processor, the non-transitory computer-readable medium comprising code, executable by the processor, to implement a method comprising:
receiving, from a requesting device, a request for access to a resource to a user device, the request comprising access data;
determining an access score based on the access data;
generating an access indicator based on the access score;
transmitting, by the server computer to an authentication computer, an authentication request message comprising at least a subset of the access data; and
receiving, by the server computer from the authentication computer, an authentication response message comprising authentication data, wherein the authentication computer generated the authentication data based on at least a subset of the access data;
preparing an authorization request message comprising the access indicator, wherein the authorization request message further comprises at least a subset of the authentication data, which has been generated by the authentication computer; and
transmitting, to an authorization computer, the authorization request message comprising the access indicator, wherein the authorization computer approves or declines the access to the resource to the user device based on the access indicator comprised in the authorization request message, and wherein the authorization computer further uses the authentication data received in the authorization request message for determining whether to approve or decline the access to the resource.