A method, system, and program providing identification usage fraud
protection are provided. A context for a use of an identification via a
communication line is detected at a fraud protection service. The context
for use of the identification is analyzed in view of multiple previous
uses of the identification. A level of suspicion of fraudulent use of the
identification is specified according to the analysis of the context.
Depending on the level of suspicion, further use of the identification
may require additional authentication or may be barred. The
identification may include a user name, an account number, a password, or
other identifier that may be utilized to represent an individual in
accessing products and services.