Selectively specifying account access recovery process based on account activity

A non-transitory machine readable medium storing a program which when executed by at least one processor, causes the at least one processor to process account-access recovery requests, the program comprising sets of instructions for:

• receiving a request to recover access to an account;
• assessing recent usage of a device that is associated with the account;
• based on the assessment, selecting a recovery process from a group of different recovery processes fur regaining access to the account;
• and
• providing the selected recovery process to a party that is requesting to recover access to the account.

A device comprising:

• a memory;
• and
• at least one processor configured to:
• receive a request to recover access to an account;
• assess recent usage of the account;
• based on the assessment, select a recovery process from a group of different recovery processes for regaining access to the account;
• and
• provide the selected recovery process to a party that is requesting to recover access to the account.