A method for determining a dynamic pairing code for use in exchanging information between a first and a second communications entity. At the at the first communications entity, determining a first authentication score associated with a first information exchange session between the first and second communications entities, determining a second authentication score associated with a second information exchange session between the first and second communications entities, (the second information exchange spaced apart in time from the first information exchange), combining the first and second authentication scores to create a cumulative risk analysis score, and responsive to the cumulative risk analysis score, generating a dynamic pairing code for use in governing exchange of information during subsequent communications between the first and second communications entities.