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Abstract

A financial payment authorization data processing system comprises a payment transaction request fraud scoring data structure that suffers occasionally from falsely scoring a legitimate transaction by a cardholder as fraudulent and would otherwise “decline” the transaction request. A so-called “false positive”. The financial payment authorization data processing system further includes a smart agent data structure to individually follow past transaction data and behaviors, and to provide its artificial intelligence observations on the magnitude, type, and quality of payment card revenues and business routinely engaged in by the cardholder who's transaction request is on the table. The computed level of transaction risk that is acceptable is raised in proportion to the cardholder's business value. As a further expedient, such quality cardholders would never be subject to a “declined transaction” if the requested payment transaction was less than some liberal minimum.

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