Method and apparatus for an identity assurance score with ties to an ID-less and password-less authentication system

An apparatus, comprising:

• a first receiving processor configured to receive, at an identity assurance server, a first request initiated from a company server for an identity assurance score corresponding to an entity requesting the company server for access to an asset of the company, wherein the entity is a user and wherein the identity assurance score is computed independently of a device used by the user for requesting access;
• a generating processor configured to generate, in response to the request, the identity assurance score and determine, based on the generated identity assurance score, a collection of requirements that the entity must satisfy to access the asset;
• a transmitting processor configured to transmit by the identity assurance server for delivery to the company server, the identity assurance score and the collection of requirements for the entity to satisfy;
• a second receiving processor configured to receive, at the identity assurance server and originating from the company server, informational data corresponding to the collection of requirements completed by the entity;
• a confirming processor configured to confirm, at the identity assurance server, that the received informational data matches data previously saved on a database at the identity assurance server;
• a notifying processor configured to notify the company that the received information data has been confirmed;
• and
• at least one memory operable to store computer program instructions a by at least one of said processors;
• wherein a hierarchy of levels comprises the following levels of requirements for granting access to the asset:
• first level—ID of user and No Password;
• second level—ID and Password;
• third level—Description of something the entity knows;
• fourth level—Description of something the entity has;
• fifth level—Number of social network connections the entity has;
• sixth level—Location of the entity;
• seventh level—One biometric identifier;
• eighth level—Two biometric identifiers;
• ninth level—Three biometric identifiers;
• tenth level—Financial information corresponding to the entity;
• eleventh level—One health identifier;
• twelfth level—Second health identifier;
• and
• thirteenth level—DNA (Deoxyribonucleic acid) of the entity.

A non-transitory computer readable medium having stored thereon a computer program, said computer program comprising a program code which, when executed by a processor, performs the steps of:

• receiving, at an identity assurance server, a first request initiated from a company server for an identity assurance score corresponding to an entity requesting the company server for access to an asset of the company, wherein the entity is a user and wherein the identity assurance score is computed independently of a device used by the user in requesting access;
• generating, in response to the request, the identity assurance score and determining, based on the generated identity assurance score, a collection of requirements that the entity must satisfy to access the asset;
• transmitting by the identity assurance server for delivery to the company server, the identity assurance score and the collection of requirements for the entity to satisfy;
• receiving, at the identity assurance server and originating from the company server, informational data corresponding to the collection of requirements completed by the entity;
• confirming, at the identity assurance server, that the received informational data matches data previously saved on a database at the identity assurance server;
• and
• notifying the company that the received information data has been confirmed;
• wherein a hierarchy of levels comprises the following levels of requirements for granting access to the asset:
• first level—ID of user and No Password;
• second level—ID and Password;
• third level—Description of something the entity knows;
• fourth level—Description of something the entity has;
• fifth level—Number of social network connections the entity has;
• sixth level—Location of the entity;
• seventh level—One biometric identifier;
• eighth level—Two biometric identifiers;
• ninth level—Three biometric identifiers;
• tenth level—Financial information corresponding to the entity;
• eleventh level—One health identifier;
• twelfth level—Second health identifier;
• and
• thirteenth level—DNA (Deoxyribonucleic acid) of the entity.