Pre-authorization access request screening

A method comprising:

• receiving, by a server computer from a requesting device, a request for access to a resource to a user device, the request comprising access data;
• transmitting, by the server computer to an authentication computer, an authentication request message comprising at least a subset of the access data;
• receiving, by the server computer from the authentication computer, an authentication response message comprising authentication data corresponding to a level of authentication of the user device by the authentication computer, wherein the authentication computer generated the authentication data based on the access data;
• determining, by the server computer, an access score based on the authentication data and the access data;
• and
• determining, by the server computer based on the access score, whether to transmit an authorization request message to an authorization computer.

A server computer comprising:

• a processor;
• and
• a non-transitory computer-readable medium coupled to the processor, the non-transitory computer-readable medium comprising code, executable by the processor, to implement a method comprising:
• receiving, from a requesting device, a request for access to a resource to a user device, the request comprising access data;
• determining an access score based on the access data;
• generating an access indicator based on the access score;
• preparing an authorization request message comprising the access indicator;
• and
• transmitting, to an authorization computer, the authorization request message comprising the access indicator,
• wherein the authorization computer approves or declines the access to the resource to the user device based on the access indicator comprised in the authorization request message.