System and Method for Context-Sensitive Access Control

Methods and systems for providing secure digital access to services are described. Embodiments include user behavior tracking, learning, and updating one or more contextual access algorithms and thereafter can act as multi-factor authentications. The method may include receiving data for a group of users and initializing a machine learning algorithm with the group data. The method may also collect individual user data and context data periodically, including characteristic behavior data, and update the machine learning algorithm with the individual user data. The method may further calculate a threshold for tolerance based on the updated algorithm, and verify user requests for access to the service. A multi-factor authentication may be presented to the user when the verifications are not acceptable, such as by being below a threshold. A permissions data structure can be generated and used to control access to the service.