Systems and methods for authentication using partitioned authentication tokens

An authentication method comprising:

• receiving, from an application in communication with an authentication server, an authentication request associated with a user;
• generating, by the authentication server, an authentication token to authenticate the user on the application;
• partitioning the authentication token to create a first token portion and a second token portion;
• comparing the authentication request to a stored list of two or more devices associated with the user;
• selecting a first user device and a second user device from the two or more devices;
• transmitting the first token portion to the first user device and the second token portion to the second user device;
• receiving, from the application, a receipt of the first token portion and the second token portion input in the application;
• and
• transmitting instructions to the application to authenticate the user.

An authentication method comprising:

• receiving, from an application in communication with an authentication server, an authentication request associated with a user;
• generating, by the authentication server, an authentication token to authenticate the user on the application;
• partitioning the authentication token to create a first token portion and a second token portion;
• comparing, by a machine learning algorithm, metadata from the authentication request to metadata from a stored list of two or more devices associated with the user to determine a score for each of the two or more devices, the score representative of a probability that the user is in possession of each of the two or more devices;
• selecting, by maximizing the score, a first user device and a second user device from the two or more devices that contain the highest probability that the user is in possession;
• transmitting the first token portion to the first user device and the second token portion to the second user device;
• receiving, from the application, a receipt of the first token portion and the second token portion input in the application;
• and
• transmitting instructions to the application to authenticate the user.