instructions that when executed by the processor cause the computing device to perform one or more operations according to the programming instructions as used in this description a computing device may be a single device or any number of devices having one or more processors that communicate with each other and share data and or instructions as used in this document an u201c account u201d means an online set of data that is stored in a data storage facility and associated with a user examples of accounts include those for e mail services photo storage services document storage or backup services social media services audio and or video media sharing services and other online services to access the data of an account the user must perform an action that is required by a security mechanism that uses the action to authenticate the user to a device system application or data set examples of security mechanisms include prompts that require a user to present a token enter or speak a passcode provide a biometric identifier perform a known sequence of steps or take other actions the system can then compare the user 39 s response to a set of known responses identify whether the user is authorized to access the device system application or data set online accounts are valuable both.