MULTI-FACTOR USER AUTHENTICATION BASED ON USER CREDENTIALS AND ENTRY TIMING

A method of performing operations on an account server processor includes receiving authentication query messaging through a network interface from a user terminal. The authentication query messaging contains an account identifier and a credential string of characters. An elapsed time associated with the user entering characters of the credential string through a user interface of the user terminal is determined responsive to the authentication query messaging. A combination of the account identifier, the credential string, and the elapsed time is authenticated to generate an authentication result. The operations further include selectively communicating through the network interface toward the user terminal based on the authentication result, information that is fetched from a memory of an accounts database using the account identifier. Related account server processors and methods by user terminals are disclosed.