In Oracle Banking Payments user should specify the allowable number of times an invalid login attempt is made by a user. Each user accesses the system through a unique User ID and password. While logging on to the system, if either the User Id or the Password is wrong, it amounts to an invalid login attempt.

By default, the allowable number of cumulative invalid attempts is six, and the allowable number of consecutive invalid attempts is three. These default values can be changed and specify the allowable number of attempts in each case. An allowable number for cumulative attempts are between 6 and 99, and for consecutive (successive) attempts are between 3 and 5.

When authentication of credentials is unsuccessful due to an incorrect user ID, then the user id will not be logged in the audit logs. In case the user id is correct and the password is wrong, the attempt is logged in the audit log and the successive and cumulative failure count is incremented. When the user id and password are correct, this is logged into the audit logs.