Abstract: Example systems and methods for dynamic identity decisioning include: receiving a request, from a third-party server, to confirm an identity of a user attempting a transaction through a third-party website displayed in a first application window on a user device of the user; causing the user device to display a second application window for presenting an identity decisioning application and at least partially overlapping the first window; assessing a risk level associated with the transaction based on identity verification data retrieved from the user device; and if the risk level exceeds a predetermined threshold, selecting at least one identity authentication exam for presentation to the user via the second window, determining an outcome of the at least one identity authentication exam based on a user response thereto, and determining an identity decisioning result based on the outcome; and presenting the result to the user via the second application window.

Abstract: A fraud prevention exchange system is provided for gathering transaction data for centralized review. The system comprises a database for storing transaction data received from participating lenders and a data retrieval and processing engine for receiving transaction data including a first transaction status code and one or more transaction attributes for a pending transaction from a first participating lender; storing the first transaction status code in association with the transaction attribute(s) in the database; receiving a transaction verification request comprising at least one of the transaction attribute(s) from a second, different participating lender; determining one or more risk alerts for the at least one of the transaction attribute(s) based on the first transaction status code and one or more prior transaction status codes previously stored in the database in association with said attribute; and transmit said risk alert(s) to the second participating lender.