METHOD AND SYSTEM TO UNLOCK ACCOUNT ACCESS VIA EFFORT METRICS
A method of allowing access to an account at a credit processing system, the method includes receiving an unlock access communication from an effort validation server based on user effort provided from a user device to the effort validation server being validated by the validation server and authorizing access to the account in response to the unlock access communication to authorize a transaction by a third-party entity based on a user device transaction with the third-party entity.
1 . A method of allowing access to an account at a credit processing system, the method comprising:
receiving an unlock access communication from an effort validation server based on user effort provided from a user device to the effort validation server being validated by the validation server; and
authorizing access to the account in response to the unlock access communication to authorize a transaction by a third-party entity based on a user device transaction with the third-party entity.
2 . The method of claim 1 wherein the user efforts comprise user device keyboard user efforts.
3 . The method of claim 1 wherein the user efforts comprise gestures associated with user device touch screen user interaction.
4 . The method of claim 1 wherein the effort validation server is a separate server from the credit processing system.
5 . The method of claim 1 wherein the transaction comprises an existing normal transaction with the by the third-party entity.
6 . The method of claim 5 wherein the third-party entity comprises an on-line merchant.
7 . The method of claim 5 wherein the third-party entity comprises a physical location of a merchant.
8 . The method of claim 5 wherein the third-party entity comprises a computer executed application.
9 . The method of claim 5 wherein the transaction comprises a credit card processing transaction.
10 . A system for performing a method of allowing access to an account at a credit processing system, the system comprising:
a processor;
a communication device coupled to the processor for communicating with other devices; and
a memory storing computer readable instructions coupled to the processor, the instructions for execution by the processor to perform operations comprising:
receiving an unlock access communication from an effort validation server based on user effort provided from a user device to the effort validation server being validated by the validation server; and
authorizing access to the account in response to the unlock access communication to authorize a transaction by a third-party entity based on a user device transaction with the third-party entity.
11 . The system of claim 10 wherein the user efforts comprise user device keyboard user efforts.
12 . The system of claim 10 wherein the user efforts comprise gestures associated with user device touch screen user interaction.
13 . The system of claim 10 wherein the transaction comprises an existing normal transaction with the by the third-party entity.
14 . The system of claim 13 wherein the third-party entity comprises an on-line merchant, a physical location of a merchant, or a computer executed application.
15 . The system of claim 13 wherein the transaction comprises a credit card processing transaction.
16 . A machine-readable storage device having instructions for execution by a processor of a machine to cause the processor to perform operations to perform a method of allowing access to an account at a credit processing system, the operations comprising:
receiving an unlock access communication from an effort validation server based on user effort provided from a user device to the effort validation server being validated by the validation server; and
authorizing access to the account in response to the unlock access communication to authorize a transaction by a third-party entity based on a user device transaction with the third-party entity.
17 . The device of claim 16 wherein the user efforts comprise user device keyboard user efforts.
18 . The device of claim 16 wherein the user efforts comprise gestures associated with user device touch screen user interaction.
19 . The device of claim 16 wherein the transaction comprises an existing normal transaction with the by the third-party entity.
20 . The device of claim 16 wherein the third-party entity comprises an on-line merchant, a physical location of a merchant, or a computer executed application and wherein the transaction comprises a credit card processing transaction.