1. A system, comprising: a processor that executes the following computer executable components stored in a memory: a security manager component that transmits a token code and a security question in response to an indication of a transaction attempt within a secure site, wherein the indication is received over a first communications channel and the token code and the security question are transmitted over a second communications channel different from the first communications channel; and an authorization manager component that analyzes a reply to the security question and selectively allows the transaction based on the analysis, wherein the reply is appended to a received token code, wherein the analysis makes use of a machine learning and reasoning component that employs automated learning and reasoning procedures in connection with determining whether a user device may be authenticated for a specific transaction.