A USER AUTHENTICATION SYSTEM AND METHODS THEREOF

摘要

A computer system (200) to authenticate users of vendors supplying services and/or products to the users, the system having programmed processors providing authentication rules (245a), authenticating users according to the authentication rules responsive to user authentication requests (300), configuring the authentication rules in real-time, thereby allowing real-tim e customization of the system, providing multi-factor user authentication processes (100), using any data sources (230/250) providing information abou t and/or known to the users to authenticate the users, thereby providing a dat a agnostic system, and authentication strategies correspond to the authentication rules, thereby allowing the system to support authentication strategy experimentation.