Patent ID: 11935059
Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 16:
17. A method comprising:
receiving, by a processor computer, an authorization request message comprising interaction data for an interaction between a first user device of a user and a resource provider;
initially determining, by the processor computer, that the interaction is uncharacteristic for the user;
determining, at the processor computer, that the interaction is provisionally declined based on the interaction being uncharacteristic for the user indicating a high level of risk;
upon determining that the interaction is provisionally declined and before generating and transmitting an authorization response message declining the interaction:
obtaining, by the processor computer, further information regarding the user, the further information collected using one or more secondary user devices of the user proximate to the user during the interaction, wherein the further information comprises a heart rate of the user;
evaluating, by the processor computer, the interaction using the further information;
comparing the further information including the heart rate obtained by the one or more secondary user devices to reference biometric information expected of a person conducting a similar transaction;
adjusting the level of risk based on a degree to which the further information supports authenticity of the user, wherein the adjusted level of risk based on a first type of secondary user device is higher than the adjusted level of risk based on a second type of secondary user device;

generating, by the processor computer, the authorization response message including an indication of approval of the interaction based on the adjusted level of risk after evaluating the further information and initially determining that the interaction is uncharacteristic for the user; and
transmitting the authorization response message to the resource provider.