A computer comprising a network communication interface, at least one memory, a processor coupled to the at least one memory and configured to: receive a request parameter and one or more authentication factors from a current user through a network and the network communication interface, identify an authentication file based on the received authentication factors of the current user, a first authentication factor is compared with a first authentication file and the second authentication factor is compared with a second authentication file, based at least in part on the request parameter and authentication factors, identify a first rule set, from among a plurality of rule sets defining requirements for user authentications, based on the first rule set, obtain one or more verification parameters from the identified authentication file for authentication, at least one obtained verification parameter corresponding to biometric information of the current user.