Selective Rule Application Based on Historical Transaction Activity

A method configured to apply different security rules to different transactions based on characteristics of similar transactions, the method comprising:

• storing a first set of rules applicable to transactions associated with a first security level;
• storing a second set of rules applicable to transactions associated with a second security level, wherein the second set of rules comprises at least one rule different from the first set of rules;
• processing a plurality of historical transactions corresponding to an account to identify:
• one or more first characteristics of transactions corresponding to the first security level;
• and
• one or more second characteristics of transactions corresponding to the second security level;
• receiving, from a second computing device, a request for a new transaction, wherein the new transaction is associated with the account;
• determining that the new transaction corresponds to the first security level by comparing characteristics of the new transaction to the one or more first characteristics and the one or more second characteristics;
• and
• determining whether to approve the new transaction by processing the new transaction in accordance with the first set of rules.

One or more non-transitory computer-readable media storing instructions configured to apply different security rules to different transactions based on characteristics of similar transactions, wherein the instructions, when executed by one or more processors of a computing device, cause the computing device to:

• store a first set of rules applicable to transactions associated with a first security level;
• store a second set of rules applicable to transactions associated with a second security level, wherein the second set of rules comprises at least one rule different from the first set of rules;
• process a plurality of historical transactions corresponding to an account to identify:
• one or more first characteristics of transactions corresponding to the first security level;
• and
• one or more second characteristics of transactions corresponding to the second security level;
• receive, from a second computing device, a request for a new transaction, wherein the new transaction is associated with the account;
• determine that the new transaction corresponds to the first security level by comparing characteristics of the new transaction to the one or more first characteristics and the one or more second characteristics;
• and
• determine whether to approve the new transaction by processing the new transaction in accordance with the first set of rules.