> Option to set an automatic 'payment delay' on all payments attempted from
> an account.

Another way to deal with large, secure payments is for the system to force
users to confirm payments by email. For example, when a large payment is
pending, the system sends a notification by email and perform the payment
only after the user clicks on the confirmation link (which contains a
temporary password, for that payment only).

This could be even more secure if there are two email accounts (preferably
with different domain names) involved, and asking for two confirmations.

This way, there is no need to set a delay, and the payment can be performed
in minutes.

For more security (and no delays involved), changing some user options
should be performed only after a confirmation from such a notification
email. For example: changing the password, changing the minimum amount of
money from which confirmations are required, changing the email address
(here, the notification email has to be sent to the old address).


George Hara




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