Third-party application risk assessment in an authorization service

1. A computer-implemented method comprising:

receiving an authorization request from a third-party application calling an Application Programming Interface (API);

determining one or more risk assessment policies for the authorization request based on a class of the third-party application;

applying the one or more risk assessment policies to the authorization request to obtain a risk assessment score for the authorization request;

performing a comparison of the risk assessment score to a risk threshold; and

causing a remedial action to be performed based on the comparison, wherein the remedial action comprises calling a trusted security application via a separate channel from the API.

2. The computer-implemented method of claim 1 , wherein performing the comparison of the risk assessment score to the risk threshold comprises detecting that the risk assessment score exceeds the risk threshold.

3. The computer-implemented method of claim 1 , wherein the class of the third-party application is associated with an activity profile, and wherein applying the one or more risk assessment policies to the authorization request to obtain the risk assessment score for the authorization request comprises determining whether activity associated with the authorization request is consistent with the activity profile for the class of the third-party application.

4. The computer-implemented method of claim 1 , wherein the one or more risk assessment policies are identified by applying machine learning to behavioral data collected for a plurality of other third-party applications associated with the class of the third-party application.

5. The computer-implemented method of claim 1 , wherein the method further comprises:

classifying the third-party application as the class of the third-party application based on behavioral data collected for the third-party application.

6. The computer-implemented method of claim 5 , wherein the method further comprises:

reclassifying the third-party application as a second class based on additional behavioral data collected for the third-party application.

7. One or more computer storage media storing computer-useable instructions that, when executed by a computing device, cause the computing device to perform operations, the operations comprising:

receiving an authorization request from a third-party application;

classifying the third-party application as a first class from a plurality of classes based on behavioral data collected for the third-party application;

identifying one or more risk assessment policies based on the first class of the third-party application;

determining an action by applying the one or more risk assessment policies to the authorization request;

causing the action to be performed in response to the authorization request; and

reclassifying the third-party application as a second class based on additional behavioral data collected for the third-party application.

8. The computer storage media of claim 7 , wherein the operations further comprise:

collecting behavioral data for a plurality of third-party applications associated with the first class; and

generating at least a portion of the one or more risk assessment policies based on the collected behavioral data.

9. The computer storage media of claim 7 , wherein the first class is associated with an activity profile, and wherein determining the action by applying the one or more risk assessment policies to the authorization request comprises comparing activity associated with the third-party application with the activity profile for the first class.

10. The computer storage media of claim 7 , wherein determining the action by applying the one or more risk assessment policies to the authorization request comprises determining a risk assessment score using the one or more risk assessment policies, and comparing the risk assessment score to a risk threshold.

11. The computer storage media of claim 10 , wherein comparing the risk assessment score to the risk threshold comprises detecting that the risk assessment score does not exceed the risk threshold, and wherein the action comprises sending an authorization message in response to the authorization request.

12. The computer storage media of claim 10 , wherein comparing the risk assessment score to the risk threshold comprises detecting that the risk assessment score exceeds the risk threshold, and wherein the action comprises executing a remedial action.

13. A computer system comprising:

a hardware processor; and

a computer storage medium storing computer-useable instructions that, when executed by the processor, causes the computer system to perform operations comprising:

receiving an authorization request from a third-party application;

determining one or more risk assessment policies for the authorization request based on a class of the third-party application;

determining a remedial action for the authorization request using the one or more risk assessment policies; and

causing the remedial action to be performed as a response to the authorization request, wherein the remedial action comprises calling a trusted security application via a separate channel from the API.

14. The computer system of claim 13 , wherein the operations further comprise:

determining the class of the third-party application based on behavioral data for the third-party application and behavioral data for a plurality of third-party applications associated with the class.

15. The computer system of claim 13 , wherein determining the action for the authorization request using the one or more risk assessment policies comprises:

determining a risk assessment score using the one or more risk assessment policies; and

comparing the risk assessment score to a threshold.

16. The computer system of claim 13 , wherein the action comprises sending an authorization message in response to the authorization request.