Patent ID: 8170953

Claim:
A method for a money transfer transaction comprising: receiving, by a payment processing network server computer, from a sending financial institution, information about a set of attributes associated with a sending entity; receiving, by the payment processing network server computer, from the sending financial institution, information about a set of attributes associated with a receiving entity; searching, by the payment processing network server computer, a database to determine whether one or more attributes from the set of attributes associated with the sending entity or the receiving entity correspond to information in the database; determining, by the payment processing network server computer, a risk score for the money transfer transaction based on the searching; determining, by the payment processing network server computer, a first validation code and associating the first validation code with the risk score; communicating, by the payment processing network server computer, the risk score and the first validation code to the sending financial institution; receiving, by the payment processing network server computer, from the sending financial institution, a payment authorization message associated with the money transfer transaction, the payment authorization message including the risk score, the set of attributes associated with the sending entity, the set of attributes associated with the receiving entity, and the first validation code; calculating by the payment processing network server computer, a second validation code based at least in part on information in the payment authorization message other than the first validation code; determining, by the payment processing network server computer, that the second validation code is the same as the first validation code; extracting, by the payment processing network server computer, the first validation code from the payment authorization message; and communicating, by the payment processing network server computer, the payment authorization message to a receiving financial institution.