SG11201900316VA - Automated access data change detection - Google Patents

Abstract

INTERNATIONAL APPLICATION PUBLISHED UNDER THE PATENT COOPERATION TREATY (PCT) (19) World Intellectual Property C.--.` 11111 111111111111111111111111 111111111111111111111111111111111111111111111111 Organization International Bureau (10) International Publication Number 03 (43) International Publication Date .../ WO 2018/034912 Al 22 February 2018 (22.02.2018) WIP0 I PCT (51) (21) (22) (25) Filing Language: (26) (30) (71) (72) Inventors: ALTENHOFEN, Meredith; 1800 Pacific Av- International Patent Classification: California 94105 (US). YOST, Robert; 660 King Street, GOOF 21/60 (2013.01) HO4L 9/32 (2006.01) Apt. 254, San Francisco, California 94107 (US). GOOF 21/30 (2013.01) (74) Agent: JEWIK, Patrick et al.; KILPATRICK International Application Number: TOWNSEND & STOCKTON LLP, Mailstop: IP Docket- PCT/US2017/046135 ing - 22, 1100 Peachtree Street, Suite 2800, Atlanta, Geor- International Filing Date: gia 30309 (US). 09 August 2017 (09.08.2017) (81) Designated States (unless otherwise indicated, for every English kind of national protection available): AE, AG, AL, AM, AO, AT, AU, AZ, BA, BB, BG, BH, BN, BR, BW, BY, BZ, Publication Language: English CA, CH, CL, CN, CO, CR, CU, CZ, DE, DJ, DK, DM, DO, Priority Data: DZ, EC, EE, EG, ES, FI, GB, GD, GE, GH, GM, GT, HN, 62/377,463 19 August 2016 (19.08.2016) US HR, HU, ID, IL, IN, IR, IS, JO, JP, KE, KG, KH, KN, KP, KR, KW, KZ, LA, LC, LK, LR, LS, LU, LY, MA, MD, ME, Applicant: VISA INTERNATIONAL SERVICE MG, MK, MN, MW, MX, MY, MZ, NA, NG, NI, NO, NZ, ASSOCIATION [US/US]; 900 Metro Center Boulevard, OM, PA, PE, PG, PH, PL, PT, QA, RO, RS, RU, RW, SA, Foster City, California 94404 (US). SC, SD, SE, SG, SK, SL, SM, ST, SV, SY, TH, TJ, TM, TN, TR, TT, TZ, UA, UG, US, UZ, VC, VN, ZA, ZM, ZW. enue, Apt. 406, San Francisco, California 94109 (US). AL- (84) Designated States (unless otherwise indicated, for every TERMAN, Amy; 301 Main Street, ##21C, San Francisco, kind of regional protection available): ARIPO (BW, GH, = Title: : each of (54) f .f l computer -----. detecting patterns c)1: 1-1 computers. AUTOMATED ACCESS conduct a whether resource of a plurality that access data has changed, the processor server computer may automatically send the updated provider DATA CHANGE DETECTION AUTHORIZATION COMPUTER 2$ server including provider data access = COMMUNICATIONS NETWORK Z2 _ — RESOURCE PROVIDER COMPUTER TRANSPORT COMPUTER 2_46 — PROCESSOR SERVER COMPUTER 26 CLIENT DEVICE 4.4 0 • 0 6 . ® — = — = RESOURCE PROVIDER COMPUTER 2211 TRANSPORT COMPUTER 24N processor ways, resource = USER 14 _ \"r = = = .„..-- -------„, `,....... ---./ _ = PORTABLE USER DEVICE 32 TOKEN VAULT , ..Q ----- _---' — = 100 5 A user may may determine in sets Upon detecting the identified resource FIG. plurality of access requests with a plurality of resource provider computers. A provider computers store access data associated with the user in various of access requests conducted between the user and each of the plurality of computer. 1-1 N 1-1 t:T ii- (57) 0 © to N C [Continued on next page] WO 2018/034912 Al MIDEDIMOMOIDEIREIHNIONHOHOHMEMNIE GM, KE, LR, LS, MW, MZ, NA, RW, SD, SL, ST, SZ, TZ, UG, ZM, ZW), Eurasian (AM, AZ, BY, KG, KZ, RU, TJ, TM), European (AL, AT, BE, BG, CH, CY, CZ, DE, DK, EE, ES, FI, FR, GB, GR, HR, HU, IE, IS, IT, LT, LU, LV, MC, MK, MT, NL, NO, PL, PT, RO, RS, SE, SI, SK, SM, TR), OAPI (BF, BJ, CF, CG, CI, CM, GA, GN, GQ, GW, KM, ML, MR, NE, SN, TD, TG). Published: — with international search report (Art. 21(3))