System and method of mobile based user authentication for an access controlled environment

A method of mobile based user authentication comprising:

• storing a plurality of categories of data associated with user activity with a mobile device carried or worn by a user to determine a user pattern over a historical period of time;
• analyzing the plurality of categories of data over a recent period of time to determine a user trust score based on the user pattern, the recent period of time less than the historical period of time;
• analyzing a risk value as a function of a plurality of variables, the user trust score one of the plurality of variables;
• and
• subsequent to the user providing a user intent signal to the mobile device, granting access to an access controlled environment if the risk value is within a predetermined value;
• wherein analyzing the plurality of categories of data is initiated once the mobile device is located within a predetermined distance of the access controlled environment;
• wherein the plurality of categories of data comprises physical activity levels, a unique walking pattern of the user including length of stride and speed of stride, a number of steps taken by the user over a given time period, a time of day when physical activity is performed, a time of exercising, one or more biometrics including average heart rate, a user's GPS location history, a travel pattern of the user and usage patterns of the mobile device.