Patent ID: 11936657
Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
Field: Digital communication (Electrical engineering)
Classification: CPC H  G | IPC G  H

Claim 0:
1. A computer-implemented method comprising:
receiving, by a processing computer from a transport computer or a resource provider computer, an authorization request message for a transaction and a session identifier generated by the resource provider computer and associated with data for one or more previous interactions by a user associated with the transaction in a supplemental database;
obtaining, by the processing computer from the supplemental database based at least in part on the session identifier, a portion of pre-analyzed data, the pre-analyzed data including data about the user and the one or more previous interactions that is pre-analyzed and stored in the supplemental database in association with the session identifier;
performing, by the processing computer, a risk analysis for the transaction using the portion of the pre-analyzed data to generate a value indicating whether the transaction is a fraudulent transaction;
modifying, by the processing computer, the authorization request message to include the portion of the pre-analyzed data and the value;
transmitting, by the processing computer to an authorizing computer, the modified authorization request message; and
transmitting, by the processing computer to the transport computer, an authorization response message from the authorizing computer, the authorizing computer generating the authorization response message based on the modified authorization request message, the authorization response message approving or declining the transaction,
wherein the portion of the pre-analyzed data includes specific data points that are specified for retrieval by the authorizing computer.