Enhanced security processes are integrated into online service provider workflow activities in a transparent fashion with little or no impact on the servers. Enhanced security processes may include adaptive authentication and transaction monitoring. The enhanced security processes are partially implemented in a network device, such as a network communication device, a firewall, or a load balancing system, or a separate security device, rather than being implemented in the server systems hosting on-line websites. With such an arrangement, server software is minimally modified or rewritten, and third party software, such as security applications, remains in operation.