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    • 5. 发明申请
    • EFFICIENT PREVENTION FRAUD
    • 有效防范欺诈
    • US20130212655A1
    • 2013-08-15
    • US13837167
    • 2013-03-15
    • HECTOR T. HOYOSKeith J. Hanna
    • HECTOR T. HOYOSKeith J. Hanna
    • G06F21/32
    • G06F21/32G06K9/00107G06K9/00597G06K9/00906
    • 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.
    • 本公开涉及用于管理事务的难易度和安全性的方法和系统。 在计算设备上操作的事务管理器可以确定包括可用于事务的安全措施的交易的可能步骤的范围。 交易管理器可以识别为了授权交易而要超过的安全度量的阈值,基于为交易选择的步骤的性能来确定安全度量。 交易管理者可以基于(i)交易的使用商的难易程度与至少一个步骤之间的优化,从可能的步骤的范围中选择至少一个步骤,以及(ii) 相对于确定的阈值的安全度量,优化包括如果可用的话,包括用于活性检测或生物识别威慑的步骤的偏好。