DYNAMIC AGGREGATION OF PAYMENT TRANSACTIONS

A transaction aggregation method that includes the steps of receiving user data and a current transaction amount associated with a current transaction, and retrieving a reliability score for the user with the user data, and calculating an aggregation threshold based on the reliability score. The method also includes updating an aggregated transaction amount by adding the current transaction amount to a previously aggregated transaction amount from previous transactions, and comparing the updated aggregated amount with the aggregation threshold, where the current transaction is aggregated with the previous transactions when the updated aggregated amount is less than the aggregation threshold.