Risk adjusted, multifactor authentication

One or more computer readable hardware storage devices storing instructions that are executable to cause one or more processing devices to perform operations comprising:

• identifying an authentication standard for access to a resource;
• determining values for authentication factors used in authenticating access to the resource;
• applying a weight to at least one of the values for the authentication factors, with the weight specifying an effectiveness of one authentication factor in authenticating a user relative to effectiveness of other authentication factors in authenticating the user;
• generating, based on the at least one of the weighted values, an authentication score;
• and
• determining whether the authentication score equals or exceeds the adjusted authentication standard, in order to authenticate access to the resource.

An electronic system, comprising:

• one or more processing devices;
• and
• one or more computer readable hardware storage devices storing instructions that are executable to cause the one or more processing devices to perform operations comprising:
• identifying an authentication standard for access to a resource;
• determining values for authentication factors used in authenticating access to the resource;
• applying a weight to at least one of the values for the authentication factors, with the weight specifying an effectiveness of one authentication factor in authenticating a user relative to effectiveness of other authentication factors in authenticating the user;
• generating, based on the at least one of the weighted values, an authentication score;
• and
• determining whether the authentication score equals or exceeds the adjusted authentication standard, in order to authenticate access to the resource.