An authentication platform for authenticating an online user is provided. The authentication platform includes a memory device and at least one processor coupled to the memory device. The at least one processor is programmed to generate an authentication model using historical data. The at least one processor is further configured to receive, from a merchant computing device, an authentication request message for a current transaction, the authentication request message including consumer identity data for the current transaction and extract the consumer identity data from the authentication request message. The at least one processor is further configured to generate, based on the extracted consumer identity data, identity insight result data using the authentication model, inject the identity insight result data into an authorization request message to generate an enhanced authorization request message, and transmit the enhanced authorization request message to an issuer computing device.