Patent ID: 8296232

Claim:
A computer-implemented method comprising: receiving, by a payment processing network server, from a sending financial institution, information about a first set of attributes associated with a sending entity and a second set of attributes associated with a receiving entity for a money transfer transaction; searching, by the payment processing network server, a database to determine whether one or more attributes from the first set of attributes or the second set of attributes correspond to information in the database; determining, by the payment processing network server, a risk score for the money transfer transaction based on the searching; communicating, by the payment processing network server, the risk score to the sending financial institution; receiving, by the payment processing network server, from the sending financial institution, a payment authorization message associated with the money transfer transaction, the payment authorization message including the risk score; communicating, by the payment processing network server, the payment authorization message including the risk score to a receiving financial institution; and receiving a response message from the receiving financial institution indicating whether the money transfer was accepted or denied, wherein the receiving financial institution generates the response based at least in part on the risk score.