RISK ASSESSMENT FOR ACCOUNT AUTHORIZATION

An embodiment of a system is disclosed in which a computer system may receive a sequence of failed login attempts to access a user account, and assess a risk level associated with the sequence of failed login attempts. The risk level may be assessed based on a plurality of characteristics of the sequence of failed login attempts. Based on the assessed risk level, the computer system may select a lockout policy that includes a lockout period. The computer system may determine that a lockout threshold, corresponding to a number of failed login attempts, has been reached. In response to determining that the lockout threshold has been reached, the computer system may prevent further login attempts during the lockout period. In addition, the computer system may permit subsequent login attempts after the lockout period has ended.