Enhanced security authentication system

A computer system comprising:

• a hardware processor;
• and
• an authentication system in communication with the processor and configured:
• to receive a transaction between a user and a website displayed on a first device;
• to identify a first geolocation of the first device;
• to generate a code for display on the first device;
• to receive credential information from a second device to identify the user;
• to receive the code from the second device;
• to identify a second geolocation of the second device;
• to determine a level of risk for the transaction based at in part on the first geolocation, the second geolocation, and a self-learning statistical evaluation of device profiling, behavioral profiling, and known fraud patterns to generates a numeric risk score for the transaction;
• to authenticate the user in response to determining that the level of risk is an acceptable level of risk;
• to generate information to enable the website to perform the transaction with the user on the first device;
• and
• to send the information to the website.

A computer program product for authenticating a transaction of a user, the computer program product comprising:

• a computer readable storage media;
• first program code, stored on the computer readable storage media, for receiving a transaction between a user and a website displayed on a first device;
• second program code, stored on the computer readable storage media, for identifying a first geolocation of the first device;
• third program code, stored on the computer readable storage media, for generating a code for display on the first device;
• fourth program code, stored on the computer readable storage media, for receiving credential information to identify the user from a second device;
• fifth program code, stored on the computer readable storage media, for receiving the code from the second device;
• sixth program code, stored on the computer readable storage media, for identifying a second geolocation of the second device;
• seventh program code, stored on the computer readable storage media, for determining a level of risk for the transaction based at in part on the first geolocation, the second geolocation, and a self-learning statistical evaluation of device profiling, behavioral profiling, and known fraud patterns to generates a numeric risk score for the transaction;
• eighth program code, stored on the computer readable storage media, for authenticating the user in response to determining that the level of risk is an acceptable level of risk;
• ninth program code, stored on the computer readable storage media, for generating information to enable the user on the first device to perform the transaction with the website;
• and
• tenth program code, stored on the computer readable storage media, for sending the information from the service provider to the website.