The authentication security software manages and protects access to sensitive information, delivering multiple factor authentication through a user-friendly experience that deters advanced attacks. The technology creates and manages online access credentials that are impossible to replicate and PII-free, protecting online and real-world identity without collecting or transferring personal identifiable information. The patented CVL technology works with any device and augments other MFA technologies and protocols, providing Complex Multi-Factor Authentication in a simple and reliable authorized user experience that is ADA compliant.