Abstract: Methods, computer-readable media, software, and apparatuses may provide data insights information to a third-party organization from consumer accessible data, accessible data via private/shared/vendor online data storage, or accessible data to devices under the control and configured by consumers. The third-party organization may compose a query comprising questions that can be answered or filled in with the consumer accessible data. A data insights server may request a response to the query from the consumers, wherein the response is derived from the consumer accessible data. The data insights server may request each of the plurality of consumer devices for the response to the query to be delivered to the requestor directly, without the insights server receiving the response. The data insights server may register responses from consumers to insight requests so as to determine compensation required to be provided from the third-party organization and to each participating/responding consumer.

Abstract: Methods, computer-readable media, software, and apparatuses may calculate a digital identity score from verifiable credentials from a consumer's digital wallet. The systems and methods may score the consumer's identity based on the type and issuer of the digital credentials or verifiable credentials the consumers holds in the consumer's digital wallet. The systems and methods may issue consumers a digital identity score verifiable credential. The consumers may prove their digital identity score to various digital partners to gain preferential treatment, save time, and save money.