Fuente: WIPO "circular economy" Systems and methods are directed to an improved fraud detection feature in implementing online transaction. The proposed solution is based on generating an enhanced transaction verification request with access-device specific data parameters and merchant-provided data. The data is then converted into an XML format and integrated into the transaction verification. The account verification server, received the enhance transaction request and executes a risk assessment model based on the provided data parameters to compute a validity risk score for the transaction request, which in term informs the verification decision and subsequent messaging content transmitted back to the merchant system. Based on the computed risk score, the verification messaging can involve a direct validation, direct rejection or a delayed verification/rejection contingent upon secondary authentication data requested and received from the user and/or the merchant. The computed value of the risk score also determines the strength factor required for the secondary authentication data.