Transaction Monitoring
Trigger step-up authentication on risky transactions based on value, destination or behavioural signals.
The challenge
Not every transaction carries the same risk, yet many systems apply either uniform friction or none at all. Organisations need transaction-level checks that can distinguish a routine purchase from one that looks likely to be fraudulent, and respond with proportionate authentication rather than a blanket rule.
Key capabilities in this use case
Value and destination rules
Trigger step-up verification for transactions above a threshold or sent to a new or high-risk destination.
Behavioural anomaly triggers
Flag transactions that deviate from a customer's typical spending pattern or timing.
Real-time confirmation
Require passkey or push approval at the moment of transaction, tied to the specific amount and payee.
Post-transaction review flagging
Route unusual approved transactions to a fraud team queue for follow-up even after completion.
Core capabilities
Transaction rules engine
Configurable thresholds and risk conditions.
Transaction-bound step-up
Confirmation tied to specific amount and payee.
Behavioural signal input
Feeds spending pattern data into risk decisions.
Review queue integration
Flags unusual transactions for follow-up.
Catching an unusual high-value transfer
A customer's account initiates a transfer well above their typical monthly spend, to a payee they have never sent funds to before. Authsignal's transaction rules recognise both signals and trigger a passkey confirmation showing the exact amount and payee before the transfer is released. The genuine customer, making a rare but legitimate large purchase, approves the transfer from their device without issue. Had the request instead come from an attacker who had gained partial account access, the missing passkey would have blocked the transfer outright, and the attempt would appear in the fraud team's review queue.
- 1Transaction matches value or behavioural risk rule
- 2Passkey confirmation shown with amount and payee
- 3Transfer released only on successful approval
Expected outcomes
- Reduced fraud on high-risk transactions
- Proportionate friction based on actual risk
- Faster fraud team visibility into unusual activity
- Preserved customer experience for routine transactions
How CyberLane helps
CyberLane helps payments and fraud teams define transaction risk thresholds and behavioural signals, then advises on configuring Authsignal's rules engine to apply step-up authentication proportionately.
- Transaction risk threshold workshop
- Rules engine configuration support
- Review queue integration design
- Ongoing threshold tuning guidance
CyberLane is independent and works on the decision rather than the deployment. Product-specific delivery is coordinated with the vendor or a qualified implementation partner.
Official vendor sources
Content is paraphrased independently by CyberLane from Authsignal's public use-case pages for evaluation purposes; it is not an Authsignal publication.
Evaluating Authsignal for Transaction Monitoring?
We start with an independent conversation about where your exposure actually sits, before any technology decision is made.