ADAPTIVE RISK-BASED PASSWORD SYNCRONIZATION

A computer program product that is configured to be executed by a processor is disclosed. The computer program product is configured to store environmental information for a plurality of authentication transactions attempted by a particular user and receive, via a communications network, a request to perform an authentication transaction for the particular user. The request includes a first one-time password and environmental information corresponding to the requested authentication transaction. A risk assessment is performed by comparing the stored and received environmental information and a window is sized for authenticating the user based on the risk assessment. The window may be one or both of an authentication window and a synchronization window. A post-sizing attempt to authenticate the particular user is performed by comparing the first one-time password with the first range of one-time passwords.