Visa Inc.
REAL-TIME ACCESS RULES USING AGGREGATION OF PERIODIC HISTORICAL OUTCOMES

Abstract:

Embodiments of the present disclosure provide systems, methods, and apparatuses for addressing the above problems through the use of access rules that involve analyzing historical access request result data for various data elements individually and in combination over a predefined time interval. An automated determination can be made for whether a transaction can be authenticated based upon the historical access request result data (e.g., ultimately, deciding whether the data element or set of data elements are associated with a valid access request).