1. A method comprising: receiving, by an automated programmed electronic computer system for authorizing a transaction between a merchant and an account holder of a financial account, transaction variables for the transaction involving a purchase of a travel ticket using the financial account,; receiving, by the computer system, concurrently with the transaction variables, additional variables including a passenger name on the travel ticket, a travel date, a routing description of the travel ticket, and an electronic ticket indicator, wherein the additional variables are received as part of a real-time authorization process; processing, by the computer system, the passenger name on the travel ticket, a travel date, a routing description of the travel ticket, an electronic ticket indicator and transaction variables through a fraud risk model to determine a probability of fraud for the transaction; and transmitting, by the computer system, an approval of the transaction or referral of the transaction for further identification based upon the output of the fraud risk model.