US 11,722,530 B2
Systems and methods for determining access outcomes using access request scoring
Hung-Tzaw Hu, Saratoga, CA (US); Haochuan Zhou, Redwood City, CA (US); Ge Wen, Fremont, CA (US); and Benjamin Scott Boding, Mountain View, CA (US)
Assigned to Visa International Service Association, San Francisco, CA (US)
Filed by VISA INTERNATIONAL SERVICE ASSOCIATION, San Francisco, CA (US)
Filed on Aug. 9, 2022, as Appl. No. 17/884,028.
Application 17/884,028 is a continuation of application No. 17/083,086, filed on Oct. 28, 2020, granted, now 11,451,590.
Application 17/083,086 is a continuation of application No. 16/160,943, filed on Oct. 15, 2018, granted, now 10,855,726, issued on Dec. 1, 2020.
Prior Publication US 2022/0391478 A1, Dec. 8, 2022
This patent is subject to a terminal disclaimer.
Int. Cl. G06F 21/31 (2013.01); G06F 11/34 (2006.01); G06F 17/18 (2006.01); H04L 9/40 (2022.01); G06F 16/901 (2019.01); G06F 16/2458 (2019.01); H04L 67/60 (2022.01); G06F 16/2457 (2019.01)
CPC H04L 63/20 (2013.01) [G06F 11/3438 (2013.01); G06F 16/2462 (2019.01); G06F 16/9017 (2019.01); G06F 17/18 (2013.01); G06F 21/316 (2013.01); H04L 63/10 (2013.01); H04L 63/102 (2013.01); H04L 63/105 (2013.01); H04L 63/1466 (2013.01); H04L 67/60 (2022.05); G06F 16/24578 (2019.01)] 19 Claims
OG exemplary drawing
 
1. A method for processing access requests, the method comprising:
providing, by a computer system, a graphical user interface for configuring a score transformation table, the graphical user interface including a first user interface element for inputting a first target top percent value and a first abbreviated score, the first user interface element enabling input of additional target top percent values and corresponding abbreviated scores, a set of abbreviated scores including the first abbreviated score and the corresponding abbreviated scores;
determining, by the computer system, a target scoring profile table including a target top percent value for each abbreviated score in the set of abbreviated scores based on the first target top percent value, the additional target top percent values, and the set of abbreviated scores;
for each abbreviated score in the set of abbreviated scores:
determining, by the computer system, a corresponding potential output value for the abbreviated score based on a trending top percent value for the corresponding potential output value being within a threshold of the target top percent value for the abbreviated score; and
determining, by the computer system, the score transformation table associating each abbreviated score in the set of abbreviated scores with the corresponding potential output value for the abbreviated score, the score transformation table configured to provide the first abbreviated score based on a first raw score for a first access request determined using a scoring model, the first abbreviated score being within the set of abbreviated scores, the first raw score being within a set of potential output values of the scoring model, the first abbreviated score indicating an access request outcome for the first access request, wherein trending top percent values exist for each potential output value for each weekday, and wherein the determining of a percentage of raw scores that equal the potential output value is performed for each weekday based on the raw scores for previous access requests occurring on that weekday.