Abstract: A user-oriented verification system and method provides for verification and fraud reduction in transactions. Users create verification accounts and register one or more devices with the account. Entity data provided by the user is selectively paired with device identifiers associated with registered devices. The entity/device pairs dictate the type and scope of transactions that may be entered into by each registered device. During a transaction, a requester provides entity/device information collected from a user to the verification system. If the entity/device information matches records stored by the verification system (i.e., the user has previously registered the device and associated selected entity information with the device) then the transaction is verified and notice is provided to the requester.