Abstract: Systems, methods, and articles of manufacture capable of approving financial transactions are disclosed. An on-line merchant may store consumer transaction account information. The merchant may transmit an authorization request with an indicator that indicates that a consumer has logged into their account. A transaction account issuer may detect the indicator and determine that the authorization request has a lower fraud risk. The transaction account issuer may approve the authorization request and transmit an authorization response to the merchant.

Abstract: Apparatus, methods and computer program products are disclosed that allows a thread-unaware routine that accesses an operation-dependent temporary data structure to be shared by multiple threads in a multi-threaded computing environment. The programmer for an operation provides three routines—a pre-processing routine, a operation routine, and a post-processing routine. The pre-processing routine allocates the operation-dependent temporary data structure. The operation routine accesses the operation-dependent temporary data structure to perform its operation for each thread that invokes the operation routine. The post-processing routine deallocates the operation-dependent temporary data structure when it is no longer needed.