1. A server computer providing a proof of knowledge service, comprising:one or more processors; and
memory containing instructions executable by the one or more processors whereby the server computer is operable to:
authenticate a user login request from a client device on behalf of a relying party server;
determine results of one or more tests administered to the user at the client device; and
send one or more instructions to the relying party server in accordance with the results of the one or more tests, the one or more instructions having been predefined by the user and defining one or more actions to be taken by the relying party server in an event where the user does not pass the one or more tests;
wherein the server computer obtains for the one or more tests a user selection of an access right from a group of access rights, the group consisting of: read-only access, full access and restricted access;
wherein the server computer obtains for the one or more tests a user selection of a condition from a group of conditions, the group consisting of: always activated; activated upon request; activated for predetermined dates or times; and activated based on a triggering event.