System and Method for Identity Management

A machine-assisted method for determining a trustworthiness of a requested transaction, the method comprising:

• transmitting, from a computer at a relying party to an authentication server system, a request to determine a trustworthiness of a particular transaction request for an underlying transaction, the particular transaction request initially submitted by a user from a user computing device to access data managed by the relying party, the request to determine trustworthiness causing the authentication server system to perform the operations of:
• based on the particular transaction request, summarizing the particular transaction request into transactional characteristics to obviate details of the particular transaction request such that the transactional characteristics is smaller in size than the transaction request or the underlying transaction, the transactional characteristics including a time stamp but devoid of source assets of the underlying transaction being requested, the source assets including credential information of the user, the credential information of the relying party, or information content of the requested underlying transaction being requested;
• generating first machine-readable data encoding transactional characteristics of the underlying transaction being requested, the transactional characteristics unique to the particular transaction request such that the transactional characteristics provide one and only one match when used to validate an otherwise valid transaction request;
• submitting a first inquiry at a first engine to determine an access eligibility of the user submitting the transaction request, the first inquiry including the credential information of the submitting user, as well as the summarized transactional characteristics that is applicable only once to the particular transaction request and the underlying transaction being requested;
• and
• receiving the access eligibility determination from the first engine, wherein the access eligibility determination factors in a validity of the particular transaction request as determined, at least in part, by virtue of the summarized transactional characteristics being matched;
• such that the computer at relying party is notified of the trustworthiness of the transaction request determined based on, at least in part, on the access eligibility determination.