SYSTEM AND METHOD FOR AUTHORIZING ELECTRONIC PAYMENT TRANSACTIONS

摘要

A transaction authorization system comprises an authorization engine configured to perform an analysis in relation to a received request for authorization of a first-type electronic payment transaction and generate an authorization output based on the analysis. A first database is for storing a transaction record in relation to one or more first-type payment transactions, each transaction record in the first database including a payor account identifier and time information. A second database stores a plurality of transaction records for second-type electronic payment transactions, each transaction record in the second database including a payor account identifier and time information. A valuation engine is configured to access the second database to determine whether the second database has registered therein one or more second type payment transactions having the same payor account as, and a later time than, a selected first type payment transaction recorded in the first database, and derive and store valuation information based on a result of the determination.