Abstract: A system and method may respond to a fraudulent attack, such as a Phishing attack. The system and method may send a number of responses to party committing fraud, the responses designed to mimic the responses to a Phishing attack. The responses may include codes or marked information designed to entrap or detect the party committing fraud.

Abstract: A system and method may allow for flexible transaction processing based on for example the risk assessment of a transaction and/or a user or party to a transaction. Based on a risk level, for example, a level of authentication for the transaction may be set or altered.

Abstract: A device, system and method may aid in authenticating an applicant wishing to establish a relationship such as a bank account, credit card, or other relationship with an institution. Applicant information may be sent to a second institution, which may determine whether or not the applicant has a relationship (e.g. account) with the second institution; based on this determination the identity of the applicant may be authenticated.