A system and method are presented for multi-factor authentication comprising the authentication of users, physical locations, and schedules. A combination of the physical location of a user and user devices can be utilized to bypass multi-factor authentication. Devices may be GPS-enabled and/or network connected in order to determine the location of the device and if the device and the credentials are within the authorized location. Scheduling factors may also be considered such that if a user is not within a particular space-time region, multi-factor authentication may not be by-passed. Time intervals may be approved based on authorized schedules for a location, authorized schedules for a device, and authorized schedules for the credentials.