Methods and systems for authenticating users

摘要

A method of authenticating users comprising: transmitting an authentication request to an authentication system over a network, the authentication request including a level of risk associated with a transaction desired to be conducted by a user; extracting the level of risk from the authentication request; determining an authentication data requirement corresponding to the level of risk; transmitting an authentication capture request from the authentication system to a communication device, the authentication capture request including the authentication data requirement; capturing authentication data with the communication device from the user, the captured authentication data corresponding to the authentication data requirement; transmitting the captured authentication data to the authentication system; validating the identity of the user with the captured authentication data; and conducting the transaction after successfully validating the user.