Abstract: Provided is a computer-implemented method for authenticating a user. The method includes registering a plurality of user accounts for a plurality of users based at least partially on user information and account data for each user of the plurality of users, the account data for each user including an account identifier associated with a portable payment device, generating an identity score for each user, registering a plurality of provider accounts for a plurality of third-party service providers based at least partially on third-party service provider data, receiving a request to authenticate a user of the plurality of users, receiving user credentials corresponding to a user account of the user, validating the user credentials based at least partially on the identity score of the user, and communicating an authentication response message to the third-party system in response to validating the user credentials.

Abstract: Provided is a computer-implemented method for authenticating a user. The method includes registering a plurality of user accounts for a plurality of users based at least partially on user information and account data for each user of the plurality of users, the account data for each user including an account identifier associated with a portable payment device, generating an identity score for each user, registering a plurality of provider accounts for a plurality of third-party service providers based at least partially on third-party service provider data, receiving a request to authenticate a user of the plurality of users, receiving user credentials corresponding to a user account of the user, validating the user credentials based at least partially on the identity score of the user, and communicating an authentication response message to the third-party system in response to validating the user credentials.