Methods, apparatus and systems for securely authenticating a person depending on context

A non-transitory computer readable medium storing instructions configured to cause a processor to:

• receive a request for user authentication from a user device, the request comprising a meta-wallet identifier, an entity identifier, a context identifier and at least one of user biometric data, user personal assets data, and user social media data;
• determine based on the meta-wallet identifier and the context identifier, that the user is a registered meta-wallet user and is engaging in a predetermined type of activity;
• select an authentication protocol based on the type of activity;
• determine that the at least one user biometric data, user personal assets data, and user social media data matches stored personal meta-wallet data associated with the registered meta-wallet user and satisfies the authentication protocol;
• and
• transmit a user authentication confirmation message to at least one of the user device and to an entity computer associated with the entity identifier.

An apparatus comprising:

• a processor;
• a non-transitory computer medium operably coupled to the processor, the non-transitory computer medium storing instructions configured to cause the processor to:
• receive a request for user authentication from a user device, the request comprising a meta-wallet identifier, an entity identifier, a context identifier and at least one of user biometric data, user personal assets data, and user social media data;
• determine based on the meta-wallet identifier and the context identifier, that the user is a registered meta-wallet user and is engaging in a predetermined type of activity;
• select an authentication protocol based on the type of activity;
• determine that the at least one user biometric data, user personal assets data, and user social media data matches stored personal meta-wallet data associated with the registered meta-wallet user and satisfies the authentication protocol;
• and
• transmit a user authentication confirmation message to at least one of the user device and to an entity computer associated with the entity identifier.