verification request if the transaction is not risky forwarding the enrollment verification response to the merchant website and it the transaction is risky modifying the enrollment verification response to denote the transaction is risky and forwarding the modified enrollment verification response to the merchant 39 s website application_number US 84723007 A description fig3 depicts a system diagram for an exemplary transaction processing system according to an embodiment fig3 differs from the prior art transaction processing system in fig1 at least because of the introduction of a risk management engine 322 u201c rme u201d the rme 322 may be used to determine whether a transaction is risky the rme 322 may receive transaction information such as the card number used in a transaction one or more items purchased a merchant at which the items are being purchased a total cost for the transaction information pertaining to the consumer 39 s internet browser e g the ip address and the like based on the transaction information the rme 322 may use one or more risk processing criteria to determine whether the transaction is risky i e potentially fraudulent exemplary risk processing criteria may include without limitation identifying whether the consumer 39 s account number has been previously used at the same merchant for the same amount u201c velocity checking u201d determining whether a dollar amount limit for the consumer 39 s account number has been exceeded u201c limit checking u201d and or checking the ip address of the consumer 39 s computer u201c geo location checking u201d the rme 322 may use transaction data stored in the ahs 124 to assist in determining whether the transaction is risky in an embodiment the rme 322 may.