| CPC H04L 63/1483 (2013.01) [G06Q 20/4016 (2013.01); H04L 63/0861 (2013.01); H04L 63/1416 (2013.01); H04L 63/1425 (2013.01); H04L 63/20 (2013.01)] | 18 Claims |

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1. A method comprising:
receiving sensor data;
performing trust score analytics to generate an aggregated trust score; and
performing a trust score challenge when the aggregated trust score is below a threshold to generate an updated aggregated trust score, wherein performing the trust score analytics includes a base phase, a pre-transaction phase, an environmental phase, a device phase and a hijack phase, wherein the base phase runs continuously in the background of a device, wherein the base phase includes: analyzing a gait of the user, the environmental phase includes: determining ambient information, the device phase includes analysis of the hardware and software of the device, and the hijacking phase includes: determining a handoff of the device.
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