Abstract: A computer-implemented method for managing a delegation request is provided. The method includes linking a first account of a first user with a second account of the first user and receiving the delegation request from the first user, to delegate an access for the second account of the first user to a second user. The method further includes extracting, from the received delegation request, a delegation request payload and verifying the delegation request based on the extracted delegation request payload. Furthermore, the method includes transmitting the verified delegation request to an identity verification database, receiving, from the identity verification database, an authentication response indicating authentication of the first user, the second user and the delegation of access for the second account of the first user to the second user, and allocating, to the second user, an authority to conduct a transaction for the second account based on the authentication response.

Abstract: A system for authenticating a user is provided. The system stores first data associated with the user. The first data includes first user data and first behavioral data. The system receives, from a remote authentication engine, an authentication response for authenticating the user and determines second data based on the authentication response. The second data includes second user data and second behavioral data. The system further determines a first plurality of confidence scores, based on a first comparison of the second data and the first data. Furthermore, the system determines a second confidence score based on the first plurality of confidence scores and authenticates the user based on the second confidence score.