公开(公告)号：WO2019164935A1

公开(公告)日：2019-08-29

申请号：PCT/US2019/018756

申请日：2019-02-20

Applicant: VISA INTERNATIONAL SERVICE ASSOCIATION

Inventor： NAGARAJA, Vinjith ,  VIG, Dhruv ,  BRAMMER, Raymond ,  RAMARAPU, Vamshi ,  MYERS, James ,  CAPEZZA, David ,  TAVVALA, Nagaveera Venkata Su ,  MAHAJAN, Swapneel ,  MAYOR, Shalini

IPC: H04L29/06 ,  G06F21/57 ,  G06F21/56

Abstract: Embodiments of the invention are directed to an automated account restoration system. In some embodiments, the system determines a state of an account based on a likelihood that the account has been compromised. If the account is determined to be in a low-risk state, then upon an successful login to that account, a verification cookie may be generated which is unique to a user device used to access the account. If the account is determined to be in a high-risk state, then system may prevent access to the account except by user devices that include a valid verification cookie.