Abstract: Systems, methods, and computer readable media having computer executable instructions for modifying behavior of a set of rules used to govern the operation of a payment transaction system are disclosed. An example system includes a transaction processing entity, rules processing entity, and a user interaction processing entity. A transaction request from a requesting entity is received by the transaction processing entity and the rules processing entity applies a rules set with related parameters of operation to the transaction. A response is generated based at least in part on the rule set and returned to the transaction processing entity. The user interaction processing entity is configured to interact with a user associated with a payment account and present information about a transaction. The user interaction processing entity is further configured to receive from the user direction regarding how to modify the rule set and related parameters associated with the payment account.

Abstract: Systems and methods for controlling and/or authorizing payment transaction are described which may facilitate verification that payment transactions initiated with a payment token of a user are in fact vetted by user-configured rules. According to some examples, a method for controlling payment transactions may include storing a firs and second sets of rules in a database, which rules are configurable by a user. The method may further include communicating and/or applying the first set of rules by a first entity, such as a merchant, a payment network, or other payment acceptance provider. A payment transaction may be routed to a particular network as a result of the application of the first set of rules. During a verification stage, a second set of rules may be applied at the issuer level to determine whether or not user-configured rules have been applied.