Abstract: Methods include receiving a request for verified data from a requesting entity. Methods also include requesting, from a user, consent to obtain user data corresponding to the user. Methods further include receiving the consent and obtaining preliminary data corresponding to the user. Methods also include transmitting a message to a user data provider in response to receiving the consent, in which the message comprises the preliminary data and a request for the user data. Methods also include receiving response data, wherein the response data corresponds to the user data. Methods further include analyzing the response data and determining the verified data in response to analyzing the response data. Methods also include providing the verified data to the requesting entity.

Abstract: Systems and methods include receiving data corresponding to a request to access a resource by an identity provided with authority to access the resource. Systems and methods include determining whether the identity is a member of a community based on associating data. The community includes identities as members thereof. Systems and methods include determining a risk level associated with the request. The risk level is determined using a history of access of the resource by a particular member the community if the identity is a member of the community. The risk level is determined using a history of access of the resource by the identity if the identity is not a member of the community. Systems and methods include determining an access policy based on the risk level associated with the request. The access policy indicates whether access to the resource by the identity is to be restricted.