US Patent 9348981 System and method for generating user authentication challenges

A system and method for generating user authentication challenges based on risk level is provided. A login request from a user is received. The login request includes identifying information associated with the user sending the login request. A risk analysis based on the identifying information associated with the user sending the login request is performed. A level of risk is identified. The level of risk is part of a risk index that includes multiple levels of risk. An authentication challenge based on the identified level of risk is generated. The login request is allowed or denied based on the completion on the authentication challenge.