9. The method of claim 5 , wherein: the configuring comprises receiving a first answer to a first question; the first received challenge request includes the first question; the retrieving comprises obtaining the first answer; and the first corresponding challenge response includes the first answer.
9. The method of claim 5 , wherein: the configuring comprises receiving a first answer to a first question; the first received challenge request includes the first question; the retrieving comprises obtaining the first answer; and the first corresponding challenge response includes the first answer. 11. The method of claim 9 , further comprising: receiving, from the intended business client, contents indicative of the first question, wherein the intended business client is able to personalize the first question.