Systems and methods for data access control using narrative authentication questions

A method of data access control for a user account, comprising:

• receiving a request to access a user account from a client device;
• transmitting a first security question to the client device;
• receiving a first user input from the client device;
• comparing the first user input to a first narrative response to calculate a first similarity score, the comparing including:
• identifying one or more nouns present in both the first user input and the first narrative response and increasing the first similarity score for each noun present in both the first user input and the first narrative response;
• identifying one or more relationships between nouns present in both the first user input and the first narrative response and increasing the first similarity score for each relationship present in both the first user input and the first narrative response;
• and
• transmitting an approval notification to the client device if the first similarity score exceeds a first threshold.

A non-transitory machine-readable medium having stored thereon an application for account access control, the application comprising program code for execution by a processor, the application configured to:

• receive a voice input from an input source associated with a user;
• retrieve a voice response associated with the user from a database;
• calculate a similarity score by:
• identifying one or more nouns present in both the voice input and the voice response, identifying one or more relationships between nouns present in both the voice input and the voice response, identifying one or more speech matches between the voice input and the voice response, wherein the one or more speech matches include at least one of a similarity in articulation, a similarity in diction, and a similarity in tone, increasing the similarity score for each noun present in both the voice input and the voice response, each relationship present in both the voice input and the voice response, and each speech match,
• identifying one or more nouns present in the voice response and not present in the voice input, identifying one or more relationships between nouns present in the voice response and not present in the voice input, identifying one or more speech characteristics present in the voice response and not present in the voice input, decreasing the similarity score for each noun present in the voice response and not present in the voice input, each relationship present in the voice response and not present in the voice input, and each speech characteristic present in the voice response and not present in the voice input, and determine if the similarity score exceeds a threshold for account access.