Relative and dynamic multifactor authentication

A non-transitory computer-readable medium comprising instructions, which when executed by at least one processor, configure the at least one processor to perform operations comprising:

• determining a current context of a user through cognitive and semantic analytic analysis to determine whether the user should be authenticated for a particular transaction between the user and an entity;
• comparing a respective set of parameters of a set of attributes obtained continuously during an interaction between the user and the entity with historical parameters;
• generating respective weighted values to parameters of the set of parameters being obtained at various points during the interaction;
• dynamically applying the respective weighted values to parameters of the set of parameters as a function of a type of the transaction and an observed condition of the user during the transaction;
• and
• performing:
• when a determination that a sum of the weighted values is within a threshold range of values, verifying an identity of the user, and allowing the user to continue with the transaction;
• and
• when a determination that the sum of the weighted values is outside the threshold range of values, temporarily suspending the transaction, and requesting additional authentication criteria from the user.

A system comprising:

• at least one processor;
• and
• a storage device comprising instructions, which when executed by the at least one processor, configure the at least one processor to perform operations comprising:
• determining, using a processor, a current context of a user through cognitive and semantic analytic analysis to determine whether the user should be authenticated for a particular transaction between the user and an entity;
• comparing, by the processor, a respective set of parameters of a set of attributes obtained continuously during an interaction between the user and the entity with historical parameters;
• generating, by the processor, respective weighted values to parameters of the set of parameters being obtained at various points during the interaction;
• dynamically applying, by the processor, the respective weighted values to parameters of the set of parameters as a function of a type of the transaction and an observed condition of the user during the transaction;
• and
• performing, by the processor:
• when a determination that a sum of the weighted values is within a threshold range of values, verifying an identity of the user, and allowing the user to continue with the transaction;
• and
• when a determination that the sum of the weighted values is outside the threshold range of values, temporarily suspending the transaction, and requesting additional authentication criteria from the user.