System for dynamic network authentication protocols

A computer-implemented method, executed on one or more processors, for network-based, variable authentication protocols, the computer-implemented method comprising:

• receiving, from a point-of-sale computer system, the following information:
• information relating to a digital monetary transaction,
• an identification associated with a user,
• an identification associated with the point-of-sale computer system, and
• location information relating to the point-of-sale computer system;
• accessing, at a remote variable authentication protocol server, an initial authentication protocol dataset, wherein the initial authentication protocol dataset comprises at least:
• a first authentication protocol associated with the identification associated with the point-of-sale computer system,
• a second authentication protocol associated with the location information relating to the point-of-sale computer system, and
• a third authentication protocol associated with the information relating to the digital monetary transaction;
• generating, at the remote variable authentication protocol server, a variable authentication protocol dataset, wherein generating the variable authentication protocol dataset comprises:
• removing from the initial authentication protocol dataset any of the first authentication protocol, the second authentication protocol, or the third authentication protocol that are superseded by another authentication protocol within the initial authentication protocol dataset;
• communicating the variable authentication protocol dataset to the point-of-sale computer system;
• causing a mobile device to display a list of proofs and/or attestations that conform with the variable authentication protocol dataset;
• receiving one or more authentication tokens, wherein each of the one or more authentication tokens comprise:
• one or more proofs and/or attestations that were selected by a user from the displayed list of proofs and/or attestations that conform with the variable authentication protocol dataset, wherein each of the selected one or more proofs and/or attestations is encrypted to create each respective authentication token using a public key that is unique to a third-party that is requesting the one or more proofs and/or attestations;
• validating the received one or more authentication tokens in view of the variable authentication protocol dataset;
• and
• in response to the validation of the received one or more authentication tokens, processing the digital monetary transaction.

A computer program product comprising one or more computer storage media having stored thereon computer-executable instructions that, when executed at a processor, cause a computer system to generate network-based, variable authentication protocols, the computer-executable instructions configured to cause the computer system to:

• receive, from a point-of-sale computer system, the following information:
• information relating to a digital monetary transaction,
• an identification associated with a user,
• an identification associated with the point-of-sale computer system, and
• location information relating to the point-of-sale computer system;
• access, at a remote variable authentication protocol server, an initial authentication protocol dataset, wherein the initial authentication protocol dataset comprises at least:
• a first authentication protocol associated with the identification associated with the point-of-sale computer system,
• a second authentication protocol associated with the location information relating to the point-of-sale computer system, and
• a third authentication protocol associated with the information relating to the digital monetary transaction;
• generate, at the remote variable authentication protocol server, a variable authentication protocol dataset, wherein generating the variable authentication protocol dataset comprises:
• removing from the initial authentication protocol dataset any of the first authentication protocol, the second authentication protocol, or the third authentication protocol that are superseded by another authentication protocol within the initial authentication protocol dataset;
• communicate the variable authentication protocol dataset to the point-of-sale computer system;
• cause a mobile device to display a list of proofs and/or attestations that conform with the variable authentication protocol dataset;
• receive one or more authentication tokens, wherein each of the one or more authentication tokens comprise:
• one or more proofs and/or attestations that were selected by a user from the displayed list of proofs and/or attestations that conform with the variable authentication protocol dataset, wherein each of the selected one or more proofs and/or attestations is encrypted to create each respective authentication token using a public key that is unique to a third-party that is requesting the one or more proofs and/or attestations;
• validate the received one or more authentication tokens in view of the variable authentication protocol dataset;
• and
• in response to the validation of the received one or more authentication tokens, process the digital monetary transaction.