Payment processing method and apparatus using an intermediary platform

One or more non-transitory computer readable storage media having instructions stored thereupon that, when executed by a system having at least a processor and a memory therein, cause the system to perform operations comprising:

• electronically identifying, at a payment processing system, a first transaction utilizing a first payment method, the first transaction associated with a first payment flow for processing the first transaction;
• collecting information on the first transaction associated with the first payment flow;
• determining, with a tracking engine of the payment processing system, a second transaction utilizing a second payment method issued to the service provider, the second transaction is being performed the service provider as a result of the occurrence of the first transaction associated with the first payment flow, wherein the second transaction is associated with a second payment flow and the second payment method is issued at a first time simultaneously as the identification of the first transaction utilizing the first payment method;
• electronically generating, with a risk analyzer of the payment processing system, a fraud indication associated with the second transaction based on the information collected on the first transaction associated with the first payment flow;
• and
• authorizing the second transaction associated with the second payment flow based on the fraud indication, wherein the second transaction is authorized prior to the completion of the first payment flow, which is completed simultaneously with the second payment flow at a second time.