22. The method of claim 21 , further comprising the step of employing a fraud remediation method when said score is within a predefined tolerance of said threshold.
22. The method of claim 21 , further comprising the step of employing a fraud remediation method when said score is within a predefined tolerance of said threshold. 27. The method of claim 22 , wherein said fraud remediation method comprises granting access to said user and investigating said user to determine an identity of said user.