Patent ID: 8745699

Claim:
A method of operating a network site to obtain approval of network transactions at different levels of security by a user, comprising: selecting, based on a predetermined security level for a transaction, a form in which a transaction will be presented to the user from a group of transaction presentation forms including at least two of (i) a first form of presentation corresponding to presentation of the transaction in a browser pop-up window on a first network device associated with the user, (ii) a second form of presentation corresponding to presentation of the transaction in a security software application window on the first network device, and (iii) a third form of presentation corresponding to presentation of the transaction in a security application window on a second network device associated with the user and different than the first network device; selecting, based on the predetermined security level for the transaction, a type of approval of the transaction required from the user from a group of transaction approval types including at least two of (i) a first type approval requiring no action by the user after presentation of the transaction, (ii) a second type approval requiring the user to actively approve the presented transaction, and (iii) a third type approval requiring the user to sign the presented transaction; and transmitting the transaction, the selected transaction presentation form, and the selected type of user transaction approval, to obtain approval of the transaction by the user.