TRANSACTION AUTHENTICATION AND RISK ANALYSIS

Aspects of the present disclosure relate to techniques for managing transactions, including receiving a first transaction request directed to an account of a first web application. Additionally, initiating, by a rate-limiting engine, a rate-limiting process in response to the first transaction request. The techniques further include obtaining a rate-limiting identifier, where the rate limiting identifier uniquely identifies the first web application, and where the rate-limiting identifier identifies an account owner. The techniques further include determining an alternate notification method exists for the account owner and sending a verification request to the account owner, where the verification request is sent using the alternate notification method. The techniques further include receiving a response to the verification request, performing a risk assessment, and adjusting a first security parameter in response to the risk assessment.