Patent ID: 8919641
Filing Date: 2014-12-30
Classification: G06Q

Abstract:
1. A method comprising: providing automatically, by a first computer-based system for processing transaction requests, a first payment authorization in response to a first payment amount, wherein said first payment amount is associated with a first transaction request, wherein said first payment amount is less than a positive limit included in a risk triggering value (“RTV”), wherein said positive limit is associated with a particular merchant; providing, by said first computer-based system, a second payment authorization in response to a second payment amount that is greater than said positive limit, wherein said second payment authorization is based upon a risk multiplier included in the RTV; transmitting, by said first computer-based system and in response to said providing the second payment authorization, current transaction data associated with said transaction requests to a second computer-based system; and receiving an updated RTV from said second computer-based system, wherein said updated RTV is based upon said RTV and said current transaction data.