A method of authenticating a user that includes initializing the multi-factor authentication system based on an input; presenting a challenge requesting the user to enter a specific authenticator of a sequence of authenticators stored in the multi-factor authentication system, where the stored sequence of authenticators represents a combination of a plurality of authentication factors; receiving an authenticator from the user in response to the challenge; verifying identity of the user by determining whether the received authenticator matches the specific authenticator requested by the challenge; and granting the access based on a determination that the received authenticator matches the specific authenticator requested, or denying the access based on a determination that the received authenticator does not match the specific authenticator requested.