Systems and methods for electronic transaction risk processing

摘要

A system automatically determines authorization of a financial transaction occurring through the presentation of a check card such as a demand deposit account (DDA) card. For a proposed financial transaction of a customer from a merchant having a membership program, the system obtains an indication that the customer is a member of the merchant's membership program. The system determines an indication of risk for the transaction, based at least in part on the indication that the customer is a member of the merchant's membership program. The financial transaction is authorized when the indication of risk is within at least one parameter.