US Patent 9959398 Dynamic user authentication and authorization

System and a method to dynamically authenticate and optionally dynamically authorize a user at a user device or at a server, the method including: receiving a request from the user to access a service; determining contextual data associated with the user; determining, based on at least the contextual data, at least one rule from a rules database to authenticate the user; and authenticating the user based on the determined at least one rule, wherein the user is authorized to access the service based on the authentication.