Invention Grant
- Patent Title: Authenticating transactions using risk scores derived from detailed device information
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Application No.: US17354965Application Date: 2021-06-22
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Publication No.: US12033151B2Publication Date: 2024-07-09
- Inventor: Karl Newland , Douglas Fisher , Craig O'Connell
- Applicant: VISA INTERNATIONAL SERVICE ASSOCIATION
- Applicant Address: US CA San Francisco
- Assignee: Visa International Service Association
- Current Assignee: Visa International Service Association
- Current Assignee Address: US CA San Francisco
- Agency: Kilpatrick Townsend & Stockton LLP
- Main IPC: G06Q20/40
- IPC: G06Q20/40 ; G06Q20/32 ; G06Q20/38 ; H04L9/40 ; H04L29/06

Abstract:
One embodiment of the invention is directed to a method comprising, receiving an authentication request message for a transaction. The method further comprises determining that detailed device information is required to authenticate the transaction and generating a message including an identifier and a request for the detailed device information. The method further comprises retrieving the detailed device information from a remote server computer using the identifier and modifying the authentication request message to include the detailed device information. The method further comprises sending the modified authentication request message to an access control server computer. The method further comprises receiving an authentication response message from the access control server computer including a verification value for the transaction, where the verification value is generated based on a result of a risk analysis performed using the detailed device information.
Public/Granted literature
- US20210319450A1 AUTHENTICATING TRANSACTIONS USING RISK SCORES DERIVED FROM DETAILED DEVICE INFORMATION Public/Granted day:2021-10-14
Information query