To prevent fraud transactions, a two-approval process for checking a payment request is applied. First, when a payment approval request is received by a coordination process run by the process engine, it will decide on who should be the first approver for checking the request. The approval request will be forwarded to the first approver, who will then evaluate the request first, and document the decision and submit the decision back to the coordination process. The coordination process will check if the first approver approves the request or not. If not, the request will be rejected. Otherwise, it will allocate the second approver to check the request and send the approval request to the second approver. When receiving the request