Intelligent authorization system

A financial institution computing system includes a network circuit enabling the financial institution computing system to exchange information over a network, a customer database storing financial information for a plurality of customers, and a transaction circuit. The transaction circuit is configured to receive a transaction request containing authentication information, the transaction request being created by a third party computing system associated with a third party, and pre-authorize the transaction request using information stored in the customer database. The pre-authorization includes determining that the authentication information matches information of the customer stored in the customer database, determining at least one characteristic of the customer, generating, responsive to the authentication information matching the information of the customer stored in the customer database, an intelligent authorization approval code based on the determined characteristic, and transmitting, over the network via the network circuit, the intelligent authorization approval code to the third party computing system.