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

Claim 0:
1. A method comprising:
receiving, by a server computer from a requesting device, a request for access to a resource to a user device, the request comprising access data;
determining, by the server computer, an access score based on the access data;
generating, by the server computer, 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;
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, by the server computer, 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, by the server computer 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, 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.