MOBILE COMMUNICATIONS DEVICE PROVIDING HEURISTIC SECURITY AUTHENTICATION FEATURES AND RELATED METHODS

A method of operation and non-transitory computer readable medium are provided for a mobile communications device which includes memory storing program instructions and a processor coupled to a first input that passively collects input data and a second input that collects response data based on a challenge. A statistical behavioral model is generated based upon passively collected input data for the user. A level of assurance (LOA) is determined based upon the statistical behavioral model and the passively collected input data from the first input. The LOA is compared with a threshold and based on the comparison: the mobile device operation is enabled as a result of determining that the LOA meets or exceeds the threshold without requiring response data from the at least one second input, otherwise, the challenge is generated and the mobile device operation is enabled responsive to valid response data from the second input.