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EFFICIENT PREVENTION FRAUD

  • US 20130212655A1
  • Filed: 03/15/2013
  • Published: 08/15/2013
  • Est. Priority Date: 10/02/2006
  • Status: Abandoned Application
First Claim
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1. A method of managing difficulty of use and security for a transaction, the method comprising:

  • (a) determining, by a transaction manager operating on a computing device, a range of possible steps for a transaction comprising security measures available for the transaction;

    (b) identifying 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; and

    (c) selecting, 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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