Patent ID: 8271386

Claim:
A method comprising: receiving, at a server, transaction decision requests from a plurality of account management systems of an organization, wherein the transaction decision requests correspond with pending transactions for accounts of the organization; determining, by the server, whether a pending transaction for an account can be fulfilled within one or more limits recorded for the account; responsive to determining that the pending transaction can be fulfilled within the one or more limits, the server transmitting transaction decision to a corresponding account management system of the plurality of account management systems; responsive to determining that the pending transaction cannot be fulfilled within the one or more limits, the server transmitting the corresponding transaction decision request to transaction approver of the organization; determining, by the server, whether the pending transaction meets one or more criteria for automated-decisioning by the sever; responsive to determining that the pending transaction meets the one or more criteria, the server retrieving the one or more limits recorded for the account from a centralized limits database of the organization; determining, by the server, whether attributes of the pending transaction are within the one or more limits retrieved from the central limits database; and responsive to determining that the pending transaction does not meet the one or more criteria for automated-decisioning by the sever, the server transmitting the corresponding transaction decision request to the transaction approver of the organization, which includes: determining, by the server, whether the pending transaction meets one or more criteria for expedited review by a transaction approver of the organization; responsive to determining that the pending transaction does meet the one or more criteria for expedited review, the server transmitting a notification of the corresponding transaction decision request to the transaction approver; and responsive to determining that the pending transaction does not meet the one or more criteria for expedited review, the server transmitting the corresponding transaction decision request to a manual processing queue, wherein the manual processing queue includes one or more additional transaction decision requests.