Disclosed herein are embodiments of systems, methods, and products comprises a server, which receives a request from a user's electronic client device. The server determines the authentication level of the request. If the authentication level satisfies a threshold, the server may route the request to a call center computing system; otherwise, the server authenticates the user based on the authentication level. Specifically, the server presents one or more security challenges corresponding to the authentication level and authorizes the user if the user correctly answers the security challenges. The server may receive a second request from the same user who has been authorized for the first authentication level. If the authentication level of the second request is higher, the server may present more security challenges on the second level; if the authentication level is lower, the server directly allows the access of the requested services.