1. A method for authorizing a financial transaction between a merchant and an account holder of a financial account, comprising: receiving, from the merchant for use in real-time authorization, transaction variables for a transaction involving a purchase of a travel ticket using the financial account, the transaction variables including a passenger name on the travel ticket, a travel date, a routing description of the travel ticket, and an electronic ticket indicator; and processing the transaction variables through a fraud-risk model to determine a risk factor for the transaction.