Transaction risk assessment based on affinity between combinations of users and devices

A system, comprising:

• a processor;
• and
• a memory coupled to the processor and comprising computer readable program code embodied in the memory that is executable by the processor to perform operations comprising:
• receiving a transaction request associated with a user from a first device where a combination of the user and the first device lacks an authentication history;
• determining that the first device is associated a second device;
• determining that the second device has been authenticated;
• generating an affinity score that is representative of the association between the first device and the second device;
• and
• selecting an authentication requirement for acceptance of the transaction request based on the affinity score.

A computer program product, comprising:

• a tangible computer readable storage medium comprising computer readable program code embodied in the medium that when executed by a processor causes the processor to perform operations comprising:
• receiving a transaction request associated with a first user from a device where a combination of the first user and the device lacks an authentication history;
• determining that the first user is associated a second user;
• determining that the second user has been authenticated;
• generating an affinity score that is representative of the association between the first user and the second user;
• and
• selecting an authentication requirement for acceptance of the transaction request based on the affinity score.