Generation of authentication questions based on user-created transaction limitations

A computing device comprising:

• one or more processors;
• and
• memory storing instructions that, when executed by the one or more processors, cause the computing device to:
• receive, from a user device, a request for access to an account associated with a user;
• based on determining that a quantity of one or more user-created transaction rules satisfy a threshold, determine one or more simulated transaction rules for the account by:
• providing, as input to a trained machine learning model, metadata corresponding to the account, wherein the trained machine learning model is trained based on a plurality of different accounts;
• and
• receiving, as output from the trained machine learning model and based on the input, the one or more simulated transaction rules, wherein the one or more simulated transaction rules indicate limitations on financial transactions that may be performed via the account;
• generate an authentication question associated with a violation of the one or more simulated transaction rules;
• provide the authentication question to the user device;
• receive, from the user device, a response to the authentication question;
• and
• provide, based on the response to the authentication question, the user device access to the account.

One or more non-transitory computer-readable media storing instructions that, when executed by one or more processors, cause a computing device to:

• receive, from a user device, a request for access to an account associated with a user;
• based on determining that a quantity of one or more user-created transaction rules satisfy a threshold, determine one or more simulated transaction rules for the account by:
• providing, as input to a trained machine learning model, metadata corresponding to the account, wherein the trained machine learning model is trained based on a plurality of different accounts;
• and
• receiving, as output from the trained machine learning model and based on the input, the one or more simulated transaction rules, wherein the one or more simulated transaction rules indicate limitations on financial transactions that may be performed via the account;
• generate an authentication question associated with a violation of the one or more simulated transaction rules;
• provide the authentication question to the user device;
• receive, from the user device, a response to the authentication question;
• and
• provide, based on the response to the authentication question, the user device access to the account.