System and methods to establish user profile using multiple channels

A method for authenticating a user to access information and services protected by an authentication system, the method comprising:

• performing an authentication of a user device accessing the information and services protected by the authentication system;
• capturing device, application and user authentication attributes during the authentication;
• comparing the captured device, application and user authentication attributes against previously obtained device, application and user authentication attributes stored as part of a user profile;
• calculating a risk score based on the comparison of the captured device, application and user authentication attributes against the previously obtained device, application and user authentication attributes;
• and
• determining whether to grant access to the information and services based on the risk score.

A non-transitory computer readable storage device for authenticating a user to access information and services protected by an authentication system, the non-transitory computer readable storage device having computer executable instructions for performing the steps of:

• performing an authentication of a user device accessing the information and services protected by the authentication system;
• capturing device, application and user authentication attributes during the authentication;
• comparing the captured device, application and user authentication attributes against previously obtained device, application and user authentication attributes stored as part of a user profile;
• calculating a risk score based on the comparison of the captured device, application and user authentication attributes against the previously obtained device, application and user authentication attributes;
• and
• determining whether to grant access to the information and services based on the risk score.