System and method for authentication of network users

A method of authenticating a user on a network, said method comprising:

• a) performing a first authentication step based on a first type of information;
• and
• b) performing at least a second authentication step based on a second type of information other than the first type of information, the second type of information comprising information pertaining to credit accounts to which the user is a party, the information pertaining to credit accounts comprising mortgage loan information, wherein the user is requested to identify at least one of:
• i) mortgage lender information;
• and
• ii) mortgage loan amount information.

A method of authenticating a user on a network, said method comprising:

• a) performing a first authentication step based on a first type of information, performing a first authentication step further comprising:
• i) obtaining the first type of information from the user;
• ii) retrieving user identification information from a data source;
• iii) comparing the first type of information supplied by the user with the user identification information retrieved from the data source;
• and
• iv) determining a level of correspondence between the first type of information supplied by the user and the user identification information retrieved from the data source;
• and
• b) performing at least a second authentication step based on a second type of information other than the first type of information, wherein the data source for the first type of information is used to identify the availability of the second type of information for the user.

A method of authenticating a user on a network, said method comprising:

• a) performing a first authentication step based on a first type of information;
• b) performing at least a second authentication step based on a second type of information other than the first type of information;
• and
• c) storing a transaction record of the first authentication step.

A method of authenticating a user on a network, said method comprising;

• a) performing a first authentication step based on a first type of information;
• b) performing at least a second authentication step based on a second type of information other than the first type of information;
• and
• c) executing a pattern recognition process to detect potential irregularities in at least one of the first type of information and the second type of information.

A method of authenticating a user on a network, said method comprising:

• a) performing a first authentication step based on a first type of information;
• b) performing at least a second authentication step based on a second type of information other than the first type of information;
• and
• c) performing a remote authentication step based upon at least one of the first type of information and the second type of information.

A system for authenticating a user on a network, said system comprising:

• an input interface for receiving input from the user;
• and
• a processor connected to the input interface and configured to:
• perform a first authentication based on a first type of information;
• and
• perform at least a second authentication based on a second type of information other than the first type of information, wherein the processor generates an interactive query, the interactive query comprising at least one question having multiple-choice answers wherein only one of the answers is the correct answer.

A system for authenticating a user on a network, said system comprising:

• an input interface for receiving input from the user;
• and
• a processor connected to the input interface and configured to:
• perform a first authentication based on a first type of information, the first type of information comprising wallet-type information;
• and
• performing at least a second authentication based on a second type of information other than the first type of information wherein the second type of information comprises non-wallet type information and pertains to credit accounts to which the user is a party, the second type of information pertaining to credit accounts further comprising mortgage loan information, and performing at least a second authentication further comprises a request for the user to identify at least one of:
• mortgage lender information;
• and
• mortgage loan amount information.

A system for authenticating a user on a network, said system comprising:

• an input interface for receiving input from the user;
• and
• a processor connected to the input interface and configured to:
• perform a first authentication step based on a first type of information, the first authentication comprising
• obtaining the first type of information from the user;
• retrieving user identification information from a data source;
• comparing the first type of information supplied by the user with the user identification information retrieved from the data source;
• and
• determining a level of correspondence between the first type of information supplied by the user and the user identification information retrieved from the data source;
• and
• perform at least a second authentication step based on a second type of information other than the first type of information, wherein the user identification information retrieved from the data source is used to identify the availability of the second type of information for the user.

A system for authenticating a user on a network, said system comprising:

• an input interface for receiving input from the user;
• and
• a processor, connected to the input interface and configured to:
• perform a first authentication step based on a first type of information;
• and
• perform at least a second authentication step based on a second type of information other than the first type of information, wherein the processor stores a transaction record of the first authentication step.

A system for authenticating a user on a network, said system comprising:

• an input interface for receiving input from the user;
• and
• a processor, connected to the input interface and configured to:
• perform a first authentication step based on a first type of information;
• and
• perform at least a second authentication step based on a second type of information other than the first type of information, wherein the processor executes a pattern recognition process to detect potential irregularities in the input supplied by the user.

A system for authenticating a user on a network, said system comprising:

• an input interface for receiving input from the user;
• and
• a processor, connected to the input interface and configured to:
• perform a first authentication step based on a first type of information;
• and
• perform at least a second authentication step based on a second type of information other than the first type of information,
• wherein the processor further performs a remote authentication step based upon at least one of the first type of information and the second type of information.