Abstract: A fraud rule can be applied to a transaction according to a first authorization parameter. The transaction is passed to a filtering rule which is applied to the transaction according to a second authorization parameter. The filtering rule can approve the transaction for processing or pass the transaction on to a third party analysis. The fraud and filtering rules can apply the same analysis to the transaction with the exception of the authorization parameters. The fraud rule and filtering rules can analyze historical attributes of a consumer account.

Abstract: Embodiments of the invention provide a method to process a transaction. At least one risk factor associated with a consumer account can be triggered by the transaction. The risk factor intersects the transaction with an associated fraud rule, which is in turn applied to the transaction. Risk factors can be customized by an issuer using a user interface.