Just In Time Polymorphic Authentication

A system, comprising:

• at least one processor;
• a communication interface communicatively coupled to the at least one processor;
• and
• memory storing computer-readable instructions that, when executed by the at least one processor, cause the system to:
• receive, via the communication interface, and from a first computing device, a request to access a first user account;
• in response to receiving the request to access the first user account, dynamically select, based on one or more polymorphic authentication factors, a first authentication method for authenticating a user of the first computing device, the first authentication method being selected from a plurality of predefined authentication methods;
• generate one or more authentication prompts based on the first authentication method selected for authenticating the user of the first computing device;
• and
• provide the one or more authentication prompts to the user of the first computing device.

One or more non-transitory computer-readable media storing instructions that, when executed by a computing platform comprising at least one processor, memory, and a communication interface, cause the computing platform to:

• receive, via the communication interface, and from a first computing device, a request to access a first user account;
• in response to receiving the request to access the first user account, dynamically select, based on one or more polymorphic authentication factors, a first authentication method for authenticating a user of the first computing device, the first authentication method being selected from a plurality of predefined authentication methods;
• generate one or more authentication prompts based on the first authentication method selected for authenticating the user of the first computing device;
• and
• provide the one or more authentication prompts to the user of the first computing device.