Patent ID: 11954218
Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
Field: Computer technology (Electrical engineering)
Classification: CPC G | IPC G

Claim 0:
1. A method for securing access to a resource in a transaction, the method comprising performing, by a computer system:
for each of a plurality of detector values configured to determine a validity of one or more data elements of each of a set of detectors, storing a vector of historical access result values corresponding to periodic time intervals within a historical time period,
wherein each detector of the set of detectors includes the one or more data elements used in historical access requests to a set of one or more resources including the resource,
wherein the historical access result values provide a measure of approval in granting access to historical access requests for a corresponding detector during a time interval;
storing an access rule including one or more conditions;
loading, into a system memory, the access rule and the vectors of historical access result values of the plurality of detector values of each of the set of detectors;
receiving, over a network from a plurality of devices, a plurality of real-time access requests;
accessing the system memory to obtain the access rule when a real-time access request of the plurality of real-time access requests is received from a first device of the plurality of devices, the real-time access request comprising a resource identifier that identifies the resource and a plurality of current data elements corresponding to at least a portion of the set of detectors;
extracting the plurality of current data elements from the real-time access request;
matching the plurality of current data elements to the at least a portion of the set of detectors to form a subset of detectors;
accessing the vectors of historical access result values for the subset of detectors;
for each of the subset of detectors, aggregating the historical access result values to obtain a detector value providing the measure of approval in granting access to the historical access requests for the detector;
generating a classification of the real-time access request using the detector values of the subset of detectors;
using the access rule to determine an access request outcome for the real-time access request, the one or more conditions of the access rule including the classification; and
providing access to the resource based on the access request outcome.