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.
The retail-app and tap-to-pay strategy is registered inside Sentinel—not bolted onto a demo. A payment enters /v1/sentinel/evaluate, receives an operator-owned policy, and exits as approved, escalated, or vetoed with the domain reason codes and receipt carried inside the shared certificate payload.
Correlate dormant-account reactivation, password reset, recovery-contact change, new device, and gift-card concentration before authorization.
Evaluate token age, provisioning assurance, device trust, decline probing, and cross-store velocity without letting callers select a weaker policy.
Missing channel-required telemetry is held. Invalid operator policy blocks. Legacy payment contracts remain compatible when the retail adapter is not applicable.
Measured synthetic A/B: 33.33% → 83.33% fraud recall; $2,150 → $3,090 prevented value (+$940); 0% → 4.76% legitimate friction.
Open the reproducible evidence →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.
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.