TRANSACTION AUTHENTICATION MANAGEMENT SYSTEM WITH MULTIPLE AUTHENTICATION LEVELS

An operating system of an information handling system (IHS) initializes a security tool to provide security management during user-to-user transactions. The security tool may determine the user's type and invokes a user personal profile and application profile information that pertains to the transaction. The security tool may use the user personal profile and application profile information during user authentications. The security tool determines an initial authentication level and may modify that authentication level during user-to-user transaction operations. The security tool may perform substantially continuous user authentication during transaction operations by employing learned behavior, historical knowledge, and other information that the security tool maintains in a security information store.