SignalBrain-OS evaluates mobile wallet, QR, card-not-present, and contactless transactions in real time. Each verdict returns the action, reason codes, step-up recommendation, and cryptographic evidence receipt.
A fraud model gives a score. SignalBrain turns that score, policy, customer context, and payment rails into an auditable action.
Evaluate Apple Pay, Google Pay, network tokens, cryptogram presence, token age, wallet provider, device binding, and account history.
Route high-risk card-not-present payments to frictionless approval, 3DS challenge, manual review, or decline based on explainable reason codes.
Separate suspicious behavior from normal customer variation so good customers avoid unnecessary authentication challenges.
Detect new-beneficiary risk, abnormal transfer velocity, account takeover timing, and scam-like payment narratives before funds leave.
Use token assurance, issuer signals, BIN region, wallet channel, merchant category, and device integrity inside one policy engine.
Every approval, step-up, hold, and decline is sealed with the model version, policy version, reason codes, and Merkle inclusion proof.
The demo turns a payment attempt into a managed workload: risk scoring, policy gate, step-up or kill-switch routing, Merkle root, signed receipt, and live evidence log.
Amount, merchant, device trust, velocity, token state, 3DS path, and country signals.
Deterministic policy thresholds convert model score and context into allow, challenge, or block.
Receipt hash, previous hash, Merkle root, policy version, model version, and demo signature.
Known customer, expected merchant, valid cryptogram, acceptable velocity, and no policy breach.
Require 3DS, biometric confirmation, passkey, or OTP when risk is elevated but recoverable.
Delay settlement or fulfillment while linked-account, beneficiary, or merchant risk is checked.
Block transactions with hard policy failures, confirmed compromise signals, or fraud-ring linkage.
Generate a human-review case packet with timeline, reason codes, evidence, and recommended action.
{
"domain": "mobile_payments",
"transaction": {
"amount": 248.73,
"currency": "USD",
"merchant_id": "m_48291",
"channel": "mobile_wallet",
"wallet_provider": "apple_pay",
"network_token": true,
"cryptogram_present": true,
"device_id": "dev_91a",
"customer_id": "cus_8847"
},
"signals": {
"device_age_days": 3,
"account_age_days": 19,
"velocity_1h": 4,
"recent_phone_change": true,
"three_ds_result": "not_requested"
}
}{
"decision": "STEP_UP",
"risk_score": 0.71,
"recommended_action": "3DS_CHALLENGE",
"reason_codes": [
"NEW_DEVICE",
"RECENT_PHONE_CHANGE",
"PAYMENT_VELOCITY"
],
"certificate_id": "cert_8fb...",
"policy_version": "payments-v1.4",
"merkle_proof": "proof_41e..."
}SignalBrain sits beside your PSP, issuer processor, wallet, or risk service and signs the final governance decision.