Computer-based systems for a real-time generation of challenge questions based on user-inputted data elements and methods of use thereof

A method, comprising:

• receiving, by a processor of a server, in real-time over a communication network, from a computing device associated with a user, real-time user activity data identifying at least one activity performed on the computing device by the user;
• receiving, by the processor, in real time from the computing device, a plurality of user-inputted data elements from a plurality of interface elements of a graphical user interface displayed on a display of the computing device;
• wherein the plurality of user-inputted data elements identifies a plurality of user-specific data attributes of the user;
• identifying, by the processor, in real-time over the communication network from a plurality of databases, potential user-specific knowledge information of the user based at least in part on at least one user-specific data attribute of the plurality of user-specific data attributes;
• generating, by the processor, in real-time, at least one user-specific challenge question based at least in part on the potential user-specific knowledge information;
• transmitting, by the processor, over the communication network to the computing device, a computer instruction configured to cause the computing device to display the at least one user-specific challenge question to the user on the display of the computing device;
• receiving, by the processor, over the communication network from the computing device, an answer to the at least one user-specific challenge question by the user;
• determining, by the processor, an answer score to the user based at least in part on the answer being a correct answer based on the potential user-specific knowledge information of the user;
• determining, by the processor, a behavioral score of the user based at least in part on the real-time user activity data of the user;
• determining, by the processor, whether the user is or is not a fraudster based at least in part on:
• i) the answer score, and
• ii) the behavioral score;
• and
• performing, by the processor, one of:
• i) accepting the plurality of user-inputted data elements when the user is not the fraudster, or
• ii) rejecting the plurality of user-inputted data elements when the user is the fraudster.