Systems and methods for online third-party authentication of credentials

1. A computer-implemented method for online authentication of online attributes, the method including:

receiving, at a server over an electronic network, an authentication request from a relying party, the authentication request including identity information to be authenticated and credential information to be authenticated;

determining, by the server, whether a user account is associated with the received identity information by accessing an internal database;

transmitting, by the server over the electronic network to a user associated with the user account, a request for authentication data;

receiving, at the server over the electronic network, authentication data associated with the user, wherein the authentication data includes a status identifier identifying one of a pending, active, suspended, and revoked status, wherein the status identifier is placed in the suspended status after receiving a revocation request and the status identifier is placed in the revoked status after authenticating the revocation request by comparing an assurance level associated with the revocation request to a predetermined assurance level;

transmitting, by the server over the electronic network to a verification data source server, authentication data associated with the user; and

receiving, at the server over the electronic network, an authentication result from the verification data source server for the user associated with authentication data.

2. The method of claim 1 , further comprising:

storing, by the server, the authentication data in the user data of the user account associated with the user.

3. The method of claim 1 , further comprising:

encrypting, by the server, the authentication data in the user data of the user account associated with the user.

4. The method of claim 1 , further comprising:

transmitting, by the server, the authentication result of the authentication request to the relying party.

5. The method of claim 1 , further wherein the authentication data further includes a lifetime value, wherein the lifetime value identifies a length of time the authentication data is valid.

6. The method of claim 1 , further comprising:

transmitting, by the server, an assurance level request for a one-time-password (“OTP”) when an assurance level associated with the authentication request is greater than or equal to a predetermined threshold.

7. The method of claim 6 , wherein the OTP request is conducted by at least one of an interactive voice response (“IVR”) method and a short message service (“SMS”) method.

8. A system for online authentication of online attributes, the system including:

a data storage device that stores instructions system for online authentication of online attributes; and

a processor configured to execute the instructions to perform a method including:

receiving, over an electronic network, an authentication request from a relying party, the authentication request including identity information to be authenticated and credential information to be authenticated;

determining whether a user account is associated with the received identity information by accessing an internal database;

transmitting, over the electronic network to a user associated with the user account, a request for authentication data;

receiving, over the electronic network, authentication data associated with the user, wherein the authentication data includes a status identifier identifying one of a pending, active, suspended, and revoked status, wherein the status identifier is placed in the suspended status after receiving a revocation request and the status identifier is placed in the revoked status after authenticating the revocation request by comparing an assurance level associated with the revocation request to a predetermined assurance level;

transmitting, over the electronic network to a verification data source server, authentication data associated with the user; and

receiving, over the electronic network, an authentication result from the verification data source server for the user associated with authentication data.

9. The system according to claim 8 , wherein the processor is further configured to execute the instructions to perform the method including:

storing the authentication data in the user data of the user account associated with the user.

10. The system according to claim 8 , wherein the processor is further configured to execute the instructions to perform the method including:

encrypting the authentication data in the user data of the user account associated with the user.

11. The system according to claim 8 , wherein the processor is further configured to execute the instructions to perform the method including:

transmitting the authentication result of the authentication request to the relying party.

12. The system according to claim 8 , further wherein the authentication data further includes a lifetime value, wherein the lifetime value identifies a length of time the authentication data is valid.

13. The system according to claim 8 , wherein the processor is further configured to execute the instructions to perform the method including:

transmitting an assurance level request for a one-time-password (“OTP”) when an assurance level associated with the authentication request is greater than or equal to a predetermined threshold.

14. The system according to claim 13 , wherein the OTP request is conducted by at least one of an interactive voice response (“IVR”) method and a short message service (“SMS”) method.

15. A non-transitory computer-readable medium storing instructions that, when executed by a computer, cause the computer to perform a method for online authentication of online attributes, the method including:

receiving, at a server over an electronic network, an authentication request from a relying party, the authentication request including identity information to be authenticated and credential information to be authenticated;

determining, by the server, whether a user account is associated with the received identity information by accessing an internal database;

transmitting, by the server over the electronic network to a user associated with the user account, a request for authentication data;

receiving, at the server over the electronic network, authentication data associated with the user identifying one of a pending, active, suspended, and revoked status, wherein the status identifier is placed in the suspended status after receiving a revocation request and the status identifier is placed in the revoked status after authenticating the revocation request by comparing an assurance level associated with the revocation request to a predetermined assurance level;

transmitting, by the server over the electronic network to a verification data source server, authentication data associated with the user; and

receiving, at the server over the electronic network, an authentication result from the verification data source server for the user associated with authentication data.

16. The computer-readable medium according to claim 15 , further comprising:

storing, by the server, the authentication data in the user data of the user account associated with the user.

17. The computer-readable medium according to claim 15 , further comprising:

encrypting, by the server, the authentication data in the user data of the user account associated with the user.

18. The computer-readable medium according to claim 15 , further comprising:

transmitting, by the server, the authentication result of the authentication request to the relying party.

19. The computer-readable medium according to claim 15 , further wherein the authentication data further includes a lifetime value, wherein the lifetime value identifies a length of time the authentication data is valid.

20. The computer-readable medium according to claim 15 , further comprising:

transmitting, by the server, an assurance level request for a one-time-password (“OTP”) when an assurance level associated with the authentication request is greater than or equal to a predetermined threshold.