A collection of multiple user credentials each associated with one of multiple different users is obtained at a device, and one or more of the multiple user credentials are verified. The collection of multiple user credentials is also compared to a threshold combination of user credentials to be satisfied to access the resource, and a determination is made, based on the comparing and the verifying, as to whether access to the resource is permitted. An indication of whether access to the resource by a requesting user is permitted is returned or provided to another device.