The system 1, wherein the challenge response server computer comprises {TAIL ~ a device information module} configured to obtain {HEAD ~ information} on a device used by the consumer to conduct the transaction 
The system 1 , wherein the challenge response server computer comprises { TAIL ~ a device information module } configured to obtain { HEAD ~ information } on a device used by the consumer to conduct the transaction
OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH TAIL TAIL TAIL TAIL TAIL TAIL TAIL TAIL OTH OTH OTH HEAD HEAD HEAD HEAD HEAD OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH OTH