Cryptographic authorization with prioritized and weighted authentication

A system and associated method for authorizing, or withholding authorization of, user access to a selected computer application or other resource, based on the user's response to one or more user authentication tests. If the user is presented with two or more authentication tests, each with an associated test weight, the system optionally sums the weights of the tests satisfied by the user; and if this sum is greater than a selected test score threshold, the user is granted access to the resource. Alternatively, the user is granted access to selected subsets of the application, including an empty or non-empty default subset, depending upon the sum of the weights of the tests satisfied by the user. An authentication test or its associated weight may change at a selected time, and the selected time may be determined with reference to a time at which the resource changes. A smartcard may be used to respond to one or more authentication tests.