Invention Grant
- Patent Title: Systems and methods for determining access outcomes using access request scoring
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Application No.: US16160943Application Date: 2018-10-15
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Publication No.: US10855726B2Publication Date: 2020-12-01
- Inventor: Hung-Tzaw Hu , Haochuan Zhou , Ge Wen , Benjamin Scott Boding
- 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: H04L29/06
- IPC: H04L29/06 ; G06F21/00 ; G06F16/901 ; G06F17/18 ; G06F16/2458 ; H04L29/08 ; G06F16/2457

Abstract:
Resources can be secured by a resource security system. The resource security system can determine whether to grant or deny access to resources using authorization information in an access request. The resource security system can also determine whether the access request is legitimate or fraudulent using risk scoring models. A score transformation table can be used to provide consistency in the risk level for a particular score over time. The score transformation table can be based on a target score profile and a precision format (e.g., integer or floating point). The score transformation table can dynamically adapt based on the trending top percent of risk and can account for changes in the distribution of scores over time or by weekday. The scores can be used to determine an access request outcome. Access to the resource can be accepted or rejected based on the outcome.
Public/Granted literature
- US20200120135A1 SYSTEMS AND METHODS FOR DETERMINING ACCESS OUTCOMES USING ACCESS REQUEST SCORING Public/Granted day:2020-04-16
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