Patent ID: 11936651
Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
Field: Digital communication (Electrical engineering)
Classification: CPC G  H | IPC G  H

Claim 17:
18. A service provider computer comprising:
a processor; and
a memory including instructions that, when executed with the processor, cause the service provider computer to, at least:
receive, from a user device, a request to access an account, the request including a device identifier and login credentials;
determine a current state of the account;
upon determining that the current state of the account is a high-risk state, and upon determining that the login credentials are valid:
retrieve a verification cookie from the memory of the user device;
determine that the verification cookie is not valid;
generate a second verification cookie upon determining that the verification cookie is not valid, the second verification cookie indicating that the user device is not authorized to access the account; and
upon receiving the second verification cookie in a subsequent request to access the account, deny access to the account.