Abstract: A computer system and associated methods for verifying user identities online. Identity claims made by a requestor of an online access and/or a trusted transaction may be verified by associating digital credentials to verified personal identification information (PII) retrieved from real world events. PII item(s) may be retrieved from third-party verified identity information sources. Verified personal attributes related to PII items may be identified and correlated with the requestor's digital credentials, and stored to a verified identity record. Additional digital credentials for the same requestor may be similarly identified, correlated, and stored to the verified identity record. A subsequent transaction request by a person claiming the requestor's identity may be compared with the verified identity record. An identity match indicator and/or a match confidence score may be created and used to determine the risk that the identity claim by the person requesting the transaction is false.

Abstract: A computer system and associated methods for verifying user identities online. Identity claims made by a requestor of an online access and/or a trusted transaction may be verified by associating digital credentials to verified personal identification information (PII) retrieved from real world events. PII item(s) may be retrieved from third-party verified identity information sources. Verified personal attributes related to PII items may be identified and correlated with the requestor's digital credentials, and stored to a verified identity record. Additional digital credentials for the same requestor may be similarly identified, correlated, and stored to the verified identity record. A subsequent transaction request by a person claiming the requestor's identity may be compared with the verified identity record. An identity match indicator and/or a match confidence score may be created and used to determine the risk that the identity claim by the person requesting the transaction is false.

Abstract: An advanced identity verification system, method, and computer program product are provided that enable a user to create and individualize a repository of identifying data, and then incorporate that repository into processes that require reliable identification of an individual. Real-world acquaintances of the user can be queried to determine the accuracy of identifying data in the repository. As more and more acquaintances respond concerning a particular item of identifying data, a numeric accuracy index may be provided that permits an inquiring party to determine whether the identifying data may be trusted.