Abstract: Systems and methods are provided for managing digital identities associated with users. One exemplary method includes receiving, at a computing device, an encrypted message from a communication device associated with a user where the message includes a changed attribute for the user. The method also includes generating a first hash of a first digital identity for the user with the changed attribute and generating a second hash of a second digital identity of the user stored in a ledger data structure. And, in response to the first hash not matching the second hash, the method then includes broadcasting a pending status of the first digital identity to a relying party for the second digital identity, and storing a certification of the changed attribute, received from the relying party in response to the pending status, based on verification of the changed attribute by the relying party.

Abstract: A computer-implemented method for authenticating an online user with an access control server (ACS) is provided.

Abstract: Systems, methods, and non-transitory computer-readable media for authentication and authorizing a payment request. In one embodiment, the system includes a server including a first memory and a first electronic processor communicatively connected to the first memory. The first electronic processor is configured to receive the payment request, three-domain secure (3DS) data, and fast ID online (FIDO) data, output an authentication request that includes a portion of the 3DS data and a portion of the FIDO data, receive an authentication response based on the 3DS data and the FIDO data, the authentication response including one or more authentications, output the payment request based on the authentication response, and receive an authorization or a denial of the payment request.

Abstract: Systems and methods are provided for managing digital identities associated with users. One exemplary method includes receiving, at a computing device, an encrypted message from a communication device associated with a user where the message includes a changed attribute for the user. The method also includes generating a first hash of a first digital identity for the user with the changed attribute and generating a second hash of a second digital identity of the user stored in a ledger data structure. And, in response to the first hash not matching the second hash, the method then includes broadcasting a pending status of the first digital identity to a relying party for the second digital identity, and storing a certification of the changed attribute, received from the relying party in response to the pending status, based on verification of the changed attribute by the relying party.

Abstract: Systems and methods are provided for managing digital identities associated with users. One exemplary method includes receiving, at a computing device, an encrypted message from a communication device associated with a user where the messaging includes a changed attribute for the user. The method also includes generating a hash of a digital identity for the user with the changed attribute, generating a hash of the digital identity of the user stored in a ledger data structure, and transmitting a request for the user to attest to the changed attribute when the generated hashes do not match. The method then further includes broadcasting a pending status of the digital identity of the user to a relying party for the digital identity, and storing a certification of the changed attribute, received from the relying party in response to the pending status, based on verification of the changed attribute by the relying party.

Abstract: An authentication platform for authenticating an online user is provided. The authentication platform includes a memory device including an authentication profile and at least one processor coupled to the memory device. The at least one processor is programmed to receive an authentication request message for a transaction. The authentication request message includes authentication data. The at least one processor is also programmed to extract the authentication data from the authentication request message and determine if the ACS is available to process the transaction. If the ACS is unavailable, the at least one processor is further programmed to generate, based at least in part on the extracted authentication data, risk-based authentication (RBA) result data including a risk score and transmit an authentication response message based on the RBA result data.

Abstract: An authentication platform for authenticating an online user in a transaction without use of strong consumer authentication (SCA) includes receiving an authentication request message for a transaction involving a regulated market includes authentication data and a transaction value, extracting the authentication data from the authentication request message, generating risk-based authentication (RBA) result data, determining that a risk of fraud in the transaction satisfies a risk threshold established by the regulatory entity by evaluating the risk score relative to the risk threshold, determining that the transaction value is below a transaction limit set by the regulatory entity, the transaction limit identifies a threshold transaction value below which strong consumer authentication may be avoided for transactions satisfying the risk threshold, and transmitting an authentication response message authenticating the transaction without strong consumer authentication having been performed based on satisfying

Abstract: An authentication platform for authenticating an online user is provided. The authentication platform includes a memory device including an authentication profile and at least one processor coupled to the memory device. The at least one processor is programmed to receive an authentication request message. The authentication request message includes authentication data. The at least one processor is also programmed to extract the authentication data from the authentication request message, generate, based at least in part on the extracted authentication data, risk-based authentication (RBA) result data including a risk score, and route the RBA result data based on the authentication profile and the RBA result data.

Abstract: A computer-implemented method for authenticating an online user with an access control server (ACS) is provided.

Abstract: Systems and methods are provided for managing digital identities associated with users. One exemplary method includes receiving, at a computing device, an encrypted message from a communication device associated with a user where the messaging includes a changed attribute for the user. The method also includes generating a hash of a digital identity for the user with the changed attribute, generating a hash of the digital identity of the user stored in a ledger data structure, and transmitting a request for the user to attest to the changed attribute when the generated hashes do not match. The method then further includes broadcasting a pending status of the digital identity of the user to a relying party for the digital identity, and storing a certification of the changed attribute, received from the relying party in response to the pending status, based on verification of the changed attribute by the relying party.