Abstract: Examples described herein generally relate to a computer device including a memory, and at least one processor configured to process a transaction. The computer device receives customer transaction information. The computer device evaluates the customer transaction information to determine a risk score for the transaction. The computer device assigns the transaction, based on the risk score, to one of a plurality of stratums including at least a first stratum and a second stratum. The computer device selects a merchant identifier (MID) from at least a first MID associated with the first stratum and a second MID associated with the second stratum based on at least the assigned stratum and a target chargeback rate for at least one of the first MID or the second MID. The computer device transmits the transaction information and the selected MID to an issuing bank.

Abstract: Reducing an amount of data transactions that are subjected to further review when determining if the data transactions should be approved or rejected. A risk score that defines a first cutoff and a second cutoff are determined. During a first time period, the first and second cutoffs are extended to increase data transactions subject to further review and to create an opportunity group of data transactions not previously approved that are now approved. A rejection rate of the data transactions subject to further review is compared to a threshold. When the rejection rate is no more than the threshold, during a second time period, a volume of the data transactions subject to further review is minimized and a second opportunity group of data transactions not previously approved that are now approved is created. The rejection rate of the data transactions subject to further review are again compared to the threshold.

Abstract: Examples described herein generally relate to a computer device including a memory, and at least one processor configured to process a transaction. The computer device receives customer transaction information. The computer device evaluates the customer transaction information to determine a risk score for the transaction. The computer device assigns the transaction, based on the risk score, to one of a plurality of stratums including at least a first stratum and a second stratum. The computer device selects a merchant identifier (MID) from at least a first MID associated with the first stratum and a second MID associated with the second stratum based on at least the assigned stratum and a target chargeback rate for at least one of the first MID or the second MID. The computer device transmits the transaction information and the selected MID to an issuing bank.

Abstract: Reducing an amount of data transactions that are subjected to further review when determining if the data transactions should be approved or rejected. A risk score that defines a first cutoff and a second cutoff are determined. During a first time period, the first and second cutoffs are extended to increase data transactions subject to further review and to create an opportunity group of data transactions not previously approved that are now approved. A rejection rate of the data transactions subject to further review is compared to a threshold. When the rejection rate is no more than the threshold, during a second time period, a volume of the data transactions subject to further review is minimized and a second opportunity group of data transactions not previously approved that are now approved is created. The rejection rate of the data transactions subject to further review are again compared to the threshold.