Abstract: A computer is configured to receive an authentication request that identifies one or more authentication form factors, and for each form factor identified, further identifies at least one parameter. The computer is further configured to generate a risk score for the authentication request using the parameter, the risk score being based at least in part on a complexity associated with each of the one or more authentication form factors. The computer is further configured to provide the risk score to a requester.

Abstract: A method, performed by a computer device, may include receiving personal data from a user device associated with personas, where each of the personas corresponds to at least one classification of requesters, associating the received personal data with at least one of the personas, and identifying any of the classifications that correspond to the personas associated with received personal data. The method may further include receiving, from a data requester, a query including a request for the personal data; associating the data requester with a classification; and comparing the classification associated with the data requester to the classifications associated with personal data. The method may further include sending, to the data requester, a message containing the personal data in response to the classification of the data requester corresponding to the classifications of the personal data.

Abstract: A system is configured to receive personal data associated with a user, verify one or more facts from the personal data, and form an avatar based on a first subset of the received personal data, where a second, differing, subset of the received personal data is not associated with the avatar. The system is also configured to receive, from a data requester, a query including a request for the avatar, and send, to the data requester, a message that includes information associated with the avatar and an indication that the one or more facts from the personal data were verified.

Abstract: A computer is configured to receive an authentication request that identifies one or more authentication form factors, and for each form factor identified, further identifies at least one parameter. The computer is further configured to generate a risk score for the authentication request using the parameter, the risk score being based at least in part on a complexity associated with each of the one or more authentication form factors. The computer is further configured to provide the risk score to a requester.

Abstract: A system is configured to receive personal data associated with a user, verify one or more facts from the personal data, and form an avatar based on a first subset of the received personal data, where a second, differing, subset of the received personal data is not associated with the avatar. The system is also configured to receive, from a data requester, a query including a request for the avatar, and send, to the data requester, a message that includes information associated with the avatar and an indication that the one or more facts from the personal data were verified.

Abstract: A method, performed by a computer device, may include receiving personal data from a user device associated with personas, where each of the personas corresponds to at least one classification of requesters, associating the received personal data with at least one of the personas, and identifying any of the classifications that correspond to the personas associated with received personal data. The method may further include receiving, from a data requester, a query including a request for the personal data; associating the data requester with a classification; and comparing the classification associated with the data requester to the classifications associated with personal data. The method may further include sending, to the data requester, a message containing the personal data in response to the classification of the data requester corresponding to the classifications of the personal data.