Had seen this before, not called this. Here in Schneier. As I recall in our brief look, a higher level of false negatives. Here a more serious look.
Interesting usability study: “More Than Just Good Passwords? A Study on Usability and Security Perceptions of Risk-based Authentication“:
Abstract: Risk-based Authentication (RBA) is an adaptive security measure to strengthen password-based authentication. RBA monitors additional features during login, and when observed feature values differ significantly from previously seen ones, users have to provide additional authentication factors such as a verification code. RBA has the potential to offer more usable authentication, but the usability and the security perceptions of RBA are not studied well. .... '
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