US Patent 10147065 Dynamic generation of risk score thresholds for optimized configuration of policy rules in an adaptive authentication service

A system for optimized configuration of an adaptive authentication service is disclosed that automatically generates one or more risk score thresholds. The system generates a risk score threshold or thresholds for an upcoming time period such that the business damages estimated to occur during the upcoming time period are minimized. The business damages estimated to occur during the upcoming time period may include business damages resulting from false negative authentication determinations, which incorrectly indicate that a fraudulent authentication request is legitimate, and false positive authentication determinations, which incorrectly indicate that a legitimate authentication request is fraudulent, and may be offset by the beneficial value of the enhancement to an organization's reputation resulting from true positive authentication determinations, which correctly indicate that an authentication request is fraudulent.