Verification of Automatic Responses to Authentication Requests on Authorized Mobile Devices

Techniques are disclosed relating to determining risk associated with automated authentication decisions for a multi-factor authentication scheme. In disclosed embodiments, a server system sends requests corresponding to factors in a current multi-factor authentication procedure to a mobile device. The system receives, from the mobile device, automatically generated responses for the factors, where the responses are automatically generated at the mobile device using a machine learning model based on a current set of parameters for the current procedure and a previous set of parameters for a prior procedure. Based on a current state of the mobile device received with the automatically generated responses and prior states of the mobile device stored at the server computer system, the system determines a risk score for the automatically generated responses. Based on the risk score, the system generates an authorization decision for an authorization request corresponding to the current multi-factor authentication procedure.