Patent ID: 8527773

Claim:
A system for accessing confidential data of a user via a network, the system comprising: a server hosting an application providing selective access by the user to confidential data related to the user; a client interface capable of interfacing with the server via the application; at least one database having the confidential data stored therein, the database in communication with the server; a processor configured to execute the application, wherein the application includes a multi-layer authentication function that causes the server to: request and receive initial authentication data from the user, the initial authentication data comprising wallet data associated with the user, using the initial authentication data, search for confidential data associated with the user in the at least one database, and if confidential data associated with the user is found, transmit to the client interface and present to the user a plurality of randomly ordered and selectable options, wherein one of the selectable options corresponds to a correct option comprising an incomplete portion of the confidential data associated with the user, and wherein the other selectable options correspond to false options provided in a format similar to the correct option, receive a selection from the user of a selected one of the options, and if the selected one of the options is the correct option, request and receive entry of additional data by the user to complete the incomplete portion of the confidential data associated with the user, and if the additional data correctly completes the confidential data of the user, grant access to the user of the user's confidential data.