Abstract: The application describes a no coding integration approach for any web service by using a challenge interface as a middleware intermediate between a public application programming interface (API) and a challenge service so that any changes made in challenge protocols are implemented at the challenge interface. The challenge interface includes a rule engine that dynamically executes rules and evaluates suspicious signals from requests to automatically decide how many challenges and what kind of challenges are needed to satisfy a current request. The user interface provided to the user device automatically updates for different challenge types through an interceptor approach. The user interface works for all supported device types, including browsers, mobile devices, and native applications.

Abstract: The application describes a no coding integration approach for any web service by using a challenge interface as a middleware intermediate between a public application programming interface (API) and a challenge service so that any changes made in challenge protocols are implemented at the challenge interface. The challenge interface includes a rule engine that dynamically executes rules and evaluates suspicious signals from requests to automatically decide how many challenges and what kind of challenges are needed to satisfy a current request. The user interface provided to the user device automatically updates for different challenge types through an interceptor approach. The user interface works for all supported device types, including browsers, mobile devices, and native applications.

Abstract: Payment devices have physical characteristics and these physical characteristic may change in predictable ways. Further, backgrounds may also have physical characteristics which may change in predictable ways. By examining digital images for physical characteristics, some of which cannot even be seen, a better decision on whether a transaction is fraudulent may be made.