Patent ID: 8229854

Claim:
A transaction processing system implemented using at least one programmable data processing apparatus, for processing requests to authorize card transactions, comprising: a request interface configured to receive requests from customers to authorize card transactions, a rule database configured to store cardholder rules, instructions to generate positive and negative authorization outputs based on authorization requests received from the request interface, (A) setup means for storing cardholder rules, each cardholder rule being associated with at least one customer wherein the setup means comprises: (i) a fraud manager interface enabling a fraud manager with access control to: (a) define templates, wherein each template comprises a structure of placeholders for population with information specifying at least one action and at least one notification, the information including authorization request message fields, relational operators, values, and logical operators, (b) populate placeholders of a template with information to generate a template rule, and (ii) a definition interface configured to: (a) select at least one template rule, and (b) select and populate at least one of the defined templates to generate at least one cardholder rule referring to the at least one selected template and the information populating the template, and specifying an action and a notification, and (B) authorization means for dynamically retrieving from the rule database a cardholder rule associated with a customer of each authorization request on a per-transaction basis, for applying the retrieved cardholder rule to the transaction request, and for executing the cardholder rule with reference to a template rule and implementing the action and notification specified in the template rule, and an authorization interface for transmitting the positive and negative authorization outputs.