User-behavior-based adaptive authentication

A computer-implemented method, comprising:

• obtaining, from multiple instances of a collection application installed on multiple user devices associated with a user, user behavior data of the user that comprises at least verbal expressions of the user as captured by a user device of the multiple user devices,
• identifying, using a machine learning algorithm, a baseline behavior pattern of a user based on the user behavior data collected within a predetermined time period from the multiple user devices;
• detecting, using the machine learning algorithm of the wireless carrier network, an event that deviates from the baseline behavior pattern of the user during a specific time period based on new user behavior data of the user obtained during the specific time period;
• and
• in response to receiving a request from an application to authenticate a particular user for access or continued access to a resource, generating an authentication question and a correct answer for the authentication question based on a detail of the event that deviates from the baseline behavior pattern, the authentication question comprising a natural language question relating to the event that deviates from the baseline behavior pattern and the correct answer comprising the detail of the event that deviates from the baseline behavior pattern.

A system, comprising:

• one or more processors;
• and
• memory including a plurality of computer-executable components that are executable by the one or more processors to perform a plurality of actions, the plurality of actions comprising:
• obtaining, from multiple instances of a collection application installed on multiple user devices associated with a user, user behavior data of the user that comprises at least verbal expressions of the user as captured by a user device of the multiple user devices;
• identifying, using a machine learning algorithm, a baseline behavior pattern of a user based on the user behavior data collected within a predetermined time period from the multiple user devices;
• detecting using the machine learning algorithm an event that deviates from the baseline behavior pattern of the user during a specific time period based on new user behavior data of the user obtained during the specific time period;
• and
• in response to receiving a request from an application to authenticate a particular user for access or continued access to a resource that includes data or a service that is provided specifically for use by the user, generating an authentication question and a correct answer for the authentication question based on a detail of the event that deviates from the baseline behavior pattern, the authentication question comprising a natural language question relating to the event that deviates from the baseline behavior pattern and the correct answer comprising the detail of the event that deviates from the baseline behavior pattern.