Adaptive authentication based on real-time risk evaluation

A computer system for managing device trust during digital interactions, comprising:

• one or more processors;
• and
• non-transitory computer-readable storage media encoding instructions which, when executed by the one or more processors, cause the computer system to:
• capture device data from a device upon user login to a digital platform, the device data including static parameter data and dynamic parameter data;
• analyze the static parameter data during an initial login session to establish a static trust score component for the device;
• analyze the dynamic parameter data in the initial login session and across future sessions to establish a dynamic trust score component for the device, wherein the dynamic trust score component is incrementally updated upon analyzing subsequent dynamic parameter data;
• combine the static trust score component and the dynamic trust score component to establish a combined trust score;
• assign the device to at least one of a first risk cluster, a second risk cluster, or a third risk cluster based on the combined trust score;
• and
• trigger an adaptive security protocol based on an assigned risk cluster,
• wherein an assignment to the second risk cluster initiates a moderate risk level authentication process, whereupon failure of the moderate risk level authentication process results in assigning the device to the third risk cluster;
• and
• wherein an assignment to the third risk cluster results in restricted access to the digital platform.