Abstract: Methods and systems for processing transactions are disclosed. An example method can comprise generating or manipulating an account. The account can be activated or deactivated based on user controls managed by an account holder of the account. The account can be deactivated or activated by default. The method can comprise receiving instructions for configuring the user controls from the account holder, receiving a request to process a transaction based on the account, and processing the request based on the user controls.

Abstract: A wallet integration server generates a list of one or more vendors for presentation to a user responsive to a successful authentication of the user. Upon receiving a selection of at least one vendor from the list of vendors by the user, the wallet integration server generates and transmits a validation request to the at least one vendor for validating the user. Responsive to a successful validation of the user by the at least one vendor, the wallet integration engine generates and transmits a message comprising payment information associated with the user to the at least one vendor. Further, the wallet integration server receives a notification confirming receipt of the payment information by the at least one vendor.

Abstract: Embodiments of the present invention provide verification and/or authentication service engines that provide a customizable solution that can be “dialed” based on the risk level assigned to individual or grouped applications. The systems can also incorporate internal and external sources of data used to verify information provided by the user. It is dynamic and can pull information from a myriad of sources during the verification process, enabling credit reporting agencies (e.g., Equifax and others), FSPs, and other service providers to facilitate real-time approval and access to products and services.

Abstract: Digital information cards associated with verified information about users are described. The cards can be used to optimize a network communications experience or interaction for a user and a commercial entity, such as a website provider. The cards can be user-centric in that the user can control access to information associated with the card. A website can access the information claim using a link of the information card and can customize a user's website experience based on the verified information claim.

Abstract: Embodiments of the present invention provide verification and/or authentication service engines that provide a customizable solution that can be “dialed” based on the risk level assigned to individual or grouped applications. The systems can also incorporate internal and external sources of data used to verify information provided by the user. It is dynamic and can pull information from a myriad of sources during the verification process, enabling credit reporting agencies (e.g., Equifax and others), FSPs, and other service providers to facilitate real-time approval and access to products and services.

Abstract: Embodiments of the present invention provide verification and/or authentication service engines that provide a customizable solution that can be “dialed” based on the risk level assigned to individual or grouped applications. The systems can also incorporate internal and external sources of data used to verify information provided by the user. It is dynamic and can pull information from a myriad of sources during the verification process, enabling credit reporting agencies (e.g., Equifax and others), FSPs, and other service providers to facilitate real-time approval and access to products and services.

Abstract: Digital information cards associated with verified information about users are described. The cards can be used to optimize a network communications experience or interaction for a user and a commercial entity, such as a website provider. The cards can be user-centric in that the user can control access to information associated with the card. A website can access the information claim using a link of the information card and can customize a user's website experience based on the verified information claim.

Abstract: Embodiments of the present invention provide verification and/or authentication service engines that provide a customizable solution that can be “dialed” based on the risk level assigned to individual or grouped applications. The systems can also incorporate internal and external sources of data used to verify information provided by the user. It is dynamic and can pull information from a myriad of sources during the verification process, enabling credit reporting agencies (e.g., Equifax and others), FSPs, and other service providers to facilitate real-time approval and access to products and services.