MOBILE PAYMENTS GOVERNANCE

Payment decisions
your risk team can defend.

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.

CONTROL SURFACE

Approve, step up, hold, decline, or review.

A fraud model gives a score. SignalBrain turns that score, policy, customer context, and payment rails into an auditable action.

Wallet Risk

Mobile Wallet Decisions

Evaluate Apple Pay, Google Pay, network tokens, cryptogram presence, token age, wallet provider, device binding, and account history.

Authentication

3DS Step-Up Orchestration

Route high-risk card-not-present payments to frictionless approval, 3DS challenge, manual review, or decline based on explainable reason codes.

Conversion

Friction Budgeting

Separate suspicious behavior from normal customer variation so good customers avoid unnecessary authentication challenges.

QR / P2P

Instant Payment Guardrails

Detect new-beneficiary risk, abnormal transfer velocity, account takeover timing, and scam-like payment narratives before funds leave.

Policy

Tokenization-Aware Rules

Use token assurance, issuer signals, BIN region, wallet channel, merchant category, and device integrity inside one policy engine.

Evidence

Signed Payment Receipts

Every approval, step-up, hold, and decline is sealed with the model version, policy version, reason codes, and Merkle inclusion proof.

DECISION PIPELINE

Five-stage mobile payment evaluation.

NormalizeWallet, QR, card-not-present, and contactless events enter one schema.

ScoreVelocity, device, identity, token, geo, merchant, and behavioral signals are scored.

GovernRules enforce institution-specific limits, thresholds, and escalation policy.

DecideThe council emits approve, step-up, hold, decline, or manual review.

ProveThe verdict is signed, hashed, and anchored for audit and dispute review.

OUTPUTS

Actionable payment verdicts.

APPROVE

Known customer, expected merchant, valid cryptogram, acceptable velocity, and no policy breach.

STEP_UP

Require 3DS, biometric confirmation, passkey, or OTP when risk is elevated but recoverable.

HOLD

Delay settlement or fulfillment while linked-account, beneficiary, or merchant risk is checked.

DECLINE

Block transactions with hard policy failures, confirmed compromise signals, or fraud-ring linkage.

REVIEW

Generate a human-review case packet with timeline, reason codes, evidence, and recommended action.

API EXAMPLE

One endpoint for wallet risk.

{
  "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..."
}

Payment decisionsyour risk team can defend.