11. The computer-implemented method according to claim 1 , wherein the challenge/response test includes a challenge phrase comprising a plurality of characters, wherein the challenge phrase is divided into at least two character subsets selected from the plurality of characters comprising the challenge phrase, each of the at least two character subsets comprising less than all of the characters comprising the challenge phrase.
11. The computer-implemented method according to claim 1 , wherein the challenge/response test includes a challenge phrase comprising a plurality of characters, wherein the challenge phrase is divided into at least two character subsets selected from the plurality of characters comprising the challenge phrase, each of the at least two character subsets comprising less than all of the characters comprising the challenge phrase. 12. The computer-implemented method according to claim 11 , wherein the first challenge characteristics and the second challenge characteristics each reflect a percentage of characters of the challenge phrase to include in each of the character subsets, and wherein the first challenge characteristics reflect a lower percentage of characters than the second challenge characteristics.