METHODS APPARATUS AND SYSTEMS FOR SECURELY AUTHENTICATING A PERSON DEPENDING ON CONTEXT

Abstract

Methods apparatus and systems are described for securely authenticating a person at an appropriate level of security depending on context without having to enter any passwords. In some embodiments a meta wallet processor receives a request for user authentication from a user device which includes a meta wallet identifier an entity identifier a context identifier and user biometric data and/or user personal assets data and/or user social media data. The meta wallet processor determines that the user is registered meta wallet user and is engaging in a predetermined type of activity selects an authentication protocol determines that the user biometric data and/or user personal assets data and/or user social media data matches stored personal meta wallet data and satisfies the authentication protocol and then transmits a user authentication confirmation message to one of the user device and an entity computer associated with the entity identifier.