EFFICIENT PREVENTION FRAUD
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United States of America Patent
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Issued Date -
Aug 15, 2013
app pub date -
Mar 15, 2013
filing date -
Oct 2, 2006
priority date (Note) -
Abandoned
status (Latency Note)
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Abstract
This disclosure is directed to methods and systems for managing difficulty of use and security for a transaction. A transaction manager operating on a computing device may determining a range of possible steps for a transaction comprising security measures available for the transaction. The transaction manager may identify a threshold for a security metric to be exceeded for authorizing the transaction, the security metric to be determined based on performance of steps selected for the transaction. The transaction manager may select for the transaction at least one step from the range of possible steps, based on optimizing between (i) a difficulty of use quotient of the transaction from subjecting a user to the at least one step, and (ii) the security metric relative to the determined threshold, the optimization including a preference for inclusion of a step for liveness detection or biometric deterrence if available.
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