Visa International Service Association

Ali Chamseddine

Cory Howard Siddens

Andrew John Bruno Naumann Zu Koenigsbrueck

Benjamin Scott Boding

A method comprises a security evaluation computer receiving access data from a user device of a user during an access request. The security evaluation computer analyzes the access data using authentication rules that each specify one of a plurality of authentication protocols for authenticating the user or the user device. At least one of the authentication rules specifies a security level flag for when no authentication is to be performed. The security evaluation computer triggers a first authentication rule corresponding to a first authentication protocol of the plurality of authentication protocols and implements the first authentication protocol. The security evaluation computer sends an authorization request message to an authorization server in a manner consistent with the first authentication protocol and then receive an authorization response message. The security evaluation computer analyzes, using authorization rules, the access data and the authorization response message to determine whether to complete the access request.

Engine for configuring authentication of access requests

Systems and methods are described for pre-authentication access request screening. A server computer may receive a request for access to a resource comprising access data. The server computer may transmit, to an authentication computer, an authentication request message comprising at least a subset of the access data and receive an authentication response message comprising authentication data. The server computer may determine an access score based on the authentication data. Alternatively, the server computer may determine the access score based on the access data without using/receiving authorization data. The server computer may generate an access indicator based on the access score. The server computer may prepare and transmit an authorization request message comprising the access indicator to an authorization computer. The authorization computer may approve or decline the access to the resource based on the access indicator.

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London, United Kingdom

Ali Chamseddine