Systems and methods for generating authentication quizzes

An authentication method comprising:

• receiving, from a user device in communication with an authentication server, an authentication request associated with a user in possession of the user device;
• requesting, from a transaction history database, a transaction history associated with the user, the transaction history comprising a first purchase of a first product;
• selecting, using a machine learning model, the first product to authenticate the user;
• generating, by the machine learning model, an authentication quiz comprising:
• an image of the first product, the image being obtained based on stock keeping unit (SKU) data of the first product;
• and
• transmitting instructions to the user device to authenticate the user based on the first response.

An authentication method comprising:

• receiving, from a user device in communication with an authentication server, an authentication request associated with a user in possession of the user device;
• requesting, from a transaction history database, a transaction history associated with the user, the transaction history comprising a first purchase of a first product and a second purchase of a second product;
• selecting, using a machine learning model, the first product and the second product to authenticate the user;
• determining a first merchant associated with the first purchase and a second merchant associated with the second purchase;
• generating, based on stock keeping unit (SKU) data, images of the first product and the second product;
• generating, by the machine learning model, an authentication quiz comprising:
• the images of the first product and the second product;
• an indication of the first merchant and the second merchant;
• and
• a request to the user to match the first product and the second product to the corresponding merchant of the first merchant and the second merchant where the first purchase and the second purchase occurred;
• receiving, from the user device, responses from the user matching the first product to the first merchant and the second product to the second merchant;
• and
• transmitting instructions to the user device to authenticate the user.