Systems and methods for performing a simplified risk assessment

摘要

Systems and methods for performing a simplified risk assessment are provided. A historical transaction value for past transactions associated with related promissory payments is maintained. A request is received from a merchant to determine authorization of a financial transaction associated with a proffered promissory payment. The historical transaction value associated with the related promissory payments is accessed and determination, based on the historical transaction value, of whether to authorize the financial transaction based on a risk score or whether to authorize the financial transaction based on data stored in a negative database is made.