Username/password, SMS
response, challenge question(s),
email response
???11-25%
Five
Username/password, SMS
response, challenge question(s),
email response, biometric voice
????0-10%
Six
Username/password, challenge
question(s), SMS response,
email response, biometric voice,
biometric facial
The metrics above for the trust level, the assigned numbers to each trust level, and the assigned types of authentication steps are merely exemplary. It is understood that the trust level can be represented using any type of value or metric that indicates varying degrees of trust to the controlled environment. In some embodiments, trust levels are determined exclusively based on information—such as a participant's name, participant's calling history, personal allowed number (PAN) list, blacklist—provided in a profile associated with the participant.