Efficient and secure authentication system

A directory server computer comprising:

• a processor;
• and
• a computer-readable medium, coupled to the processor, the computer-readable medium comprising code, executable by the processor to implement a method comprising:
• receiving an indication from a user that a resource provider is trusted, wherein the directory server computer is programmed to provide a first level of authentication;
• storing, in a database, data representing the indication from the user that the resource provider is trusted;
• receiving an authentication request message from the user conducting an interaction at a resource provider computer;
• determining that the data representing the indication from the user that the resource provider is trusted is present;
• and
• in response to determining, providing a second level of authentication to the user before the user is allowed to complete the interaction, wherein the second level of authentication is lower than the first level of authentication.

A system comprising:

• a directory server computer comprising a first processor and a first computer-readable medium, the first computer-readable medium comprising code, executable by the first processor to implement a method comprising sending, to a resource provider computer, a trusted marker;
• and
• a processing computer comprising a second processor and a second computer-readable medium, the second computer-readable medium comprising code, executable by the second processor to implement a method comprising:
• receiving an authorization request message for an interaction, the authorization request message comprising the trusted marker;
• validating the trusted marker;
• and
• sending the authorization request message comprising the trusted marker to an authorizing entity computer.