Authorizing payment subsequent to RF transactions

An issuer system, comprising:

• an issuer database configured to maintain a preloaded value data file associated with an RF payment device;
• and
• a preloaded value authorization server (PLAS) configured to receive transaction identifying information and payment device identifying information from an issuer account server (IAS) in response to the payment device identifying information including a marker that indicates a Radio Frequency (RF) payment device is associated with the preloaded value data file, wherein the IAS is configured to receive a merchant transaction request that includes the transaction identifying information and the payment device identifying information, wherein the payment device identifying information is associated with the RF payment device, wherein the transaction identifying information includes a transaction value, wherein the PLAS is further configured to determine that the merchant transaction request complies with a risk criteria that includes a payment device usage history, and wherein the PLAS is configured to authorize the merchant transaction request in response to the determining that the merchant transaction request complies with the risk criteria, wherein the authorizing the merchant transaction request occurs prior to determining a value present in the preloaded value data file and prior to communicating with the issuer database;
• wherein the PLAS is configured to assess the transaction value against the value present in the preloaded value data file in the issuer database subsequent to a communication device transmitting a transaction authorization to a merchant, wherein the communication device is configured to transmit the transaction authorization to the merchant in response to the PLAS authorizing the merchant transaction.

A method, comprising:

• receiving, at an issuer account server (IAS), a merchant transaction request, wherein the merchant transaction request includes transaction identifying information and payment device identifying information, wherein the payment device identifying information is associated with a Radio Frequency (RF) payment device, and wherein the transaction identifying information includes a transaction value;
• transmitting the transaction identifying information and the payment device identifying information from the IAS to a preloaded value authorization server (PLAS) in response to the payment device identifying information including a marker that indicates the RF payment device is associated with a preloaded value data file maintained in an issuer database, wherein the PLAS determines that the merchant transaction request complies with a risk criteria that includes a payment device usage history, wherein the PLAS authorizes the merchant transaction request in response to the determining that the merchant transaction request complies with the risk criteria, and wherein the authorizing the merchant transaction request occurs prior to determining a value present in the preloaded value data file and prior to communicating with the issuer database;
• and
• transmitting a transaction authorization to a merchant in response to the authorizing the merchant transaction request, wherein, subsequent to the transmitting the transaction authorization to the merchant, the PLAS assesses the transaction value against the value present in the preloaded value data file in the issuer database.

An issuer system, comprising:

• an issuer account server (IAS) configured to receive a merchant transaction request, wherein the merchant transaction request includes transaction identifying information and payment device identifying information, wherein the payment device identifying information is associated with an RF payment device, wherein the transaction identifying information includes a transaction value, wherein an issuer database is configured to maintain a preloaded value data file associated with the RF payment device, and wherein a preloaded value authorization server (PLAS) is configured to receive the transaction identifying information and the payment device identifying information from the IAS in response to the payment device identifying information including a marker that indicates the RF payment device is associated with the preloaded value data file;
• and
• a communication device configured to transmit a transaction authorization to a merchant in response to the (PLAS) authorizing the merchant transaction request, wherein the PLAS is configured to determine that the merchant transaction request complies with a risk criteria that includes a payment device usage history, wherein the PLAS is configured to authorize the merchant transaction request in response to the determining that the merchant transaction request complies with the risk criteria, and wherein the authorizing the merchant transaction request occurs prior to determining a value present in the preloaded value data file and prior to communicating to the issuer database;
• wherein the PLAS is further configured to assess the transaction value against the value present in the preloaded value data file in the issuer database subsequent to the communication device transmitting the transaction authorization to the merchant.