Systems and methods for enhanced authorization messages

A server comprising:

• a processor;
• and
• a computer readable medium coupled to the processor, the computer readable medium comprising code, executable by the processor, to implement a method including:
• receiving an authorization request message for a transaction and a session identifier that corresponds to a user and is associated with data for one or more previous interactions by the user associated with the transaction in a database;
• obtaining, from the database based at least in part on the session identifier, a portion of pre-analyzed data, the pre-analyzed data including data about the user and the one or more previous interactions, wherein the data about the user and the one or more previous interactions is pre-analyzed and stored in the database in association with the session identifier;
• performing a risk analysis for the transaction using the portion of the pre-analyzed data to generate a value indicating whether the transaction is a fraudulent transaction;
• modifying the authorization request message to include the portion of the pre-analyzed data and the value;
• and
• transmitting, to an authorizing computer, the modified authorization request message,
• wherein, receiving by the authorizing computer the modified authorization request message, causes the authorizing computer to generate an authorization response message, the authorizing computer generating the authorization response message based on the modified authorization request message, the authorization response message approving or declining the transaction, and
• wherein the portion of the pre-analyzed data includes specific data points that are specified for retrieval by the authorizing computer.

A processor computer comprising:

• a processor;
• and
• a computer readable medium coupled to the processor, the computer readable medium comprising code, executable by the processor, to implement a method including:
• receiving an authorization request message for a transaction and a session identifier that corresponds to a user and is associated with data for one or more previous interactions by the user associated with the transaction in a database;
• obtaining, from the database based at least in part on the session identifier, a portion of pre-analyzed data, the pre-analyzed data including data about the user and the one or more previous interactions, wherein the data about the user and the one or more previous interactions is pre-analyzed and stored in the database in association with the session identifier;
• performing a risk analysis for the transaction using the portion of the pre-analyzed data to generate a value indicating whether the transaction is a fraudulent transaction;
• modifying the authorization request message to include the portion of the pre-analyzed data and the value;
• and
• transmitting, to an authorizing computer, the modified authorization request message,
• wherein, receiving by the authorizing computer the modified authorization request message, causes the authorizing computer to generate an authorization response message, the authorizing computer generating the authorization response message based on the modified authorization request message, the authorization response message approving or declining the transaction, and
• wherein the portion of the pre-analyzed data includes specific data points that are specified for retrieval by the authorizing computer.