System and method for aggregating client data and cyber data for authentication determinations

Abstract

The invention relates to a method and system that aggregates client data and cyber indicators to authenticate a client. The system comprises: a computer server comprising at least one computer processor and coupled to the memory, programmed to: receive, via an electronic input, an authorization request from a requester for access to an account; identify a client identifier associated with the authorization request; using the client identifier, retrieve, from the memory, a client profile, wherein the client profile is based on an aggregation of client data, client device data, claims data and cyber data; generate a risk score based on the aggregated combination of the client data, client device data, claims data and cyber data to determine whether the requester is authenticated to access the account; and automatically apply an authentication determination to the authorization request.