Dynamic change in plurality of security layers based on projected risk

A method of accessing a secured resource, comprising:

• monitoring activity of a user;
• storing, by one or more processors of a computer system, a historical record including a historical pattern of activity of a user, wherein said historical record is updated based on said activity of said user;
• receiving, by the one or more processors, a request from said user to access a secured resource;
• performing, by the one or more processors, a first security check with respect to said user to determine whether a first security protocol is satisfied by the user in order to be permitted to access the secured resource;
• allowing, by the one or more processors, the user to access the secured resource in response to a determination that the first security check is satisfied by the user;
• conducting, by the one or more processors, a comparison of current activity of said user with the historical record of said user;
• deriving, by the one or more processors, a risk factor based on said comparison;
• performing, by the one or more processors, based on said risk factor, a selection process for selecting from a plurality of additional security choices a second security check with respect to said user to determine whether a second security protocol is satisfied by the user in order to be permitted to continue to access the secured resource, said second security check being selected from said plurality of additional security choices based on a relative scaling factor related to said risk factor;
• allowing, by the one or more processors, the user to continue to access the secured resource in response to a determination that the second security condition is satisfied by the user.