Systems and methods for providing digital identity records to verify identities of users

A system for verifying an identity of a user, the system comprising:

• an identification provider;
• a ledger data structure coupled to the identification provider;
• and
• at least one communication device specific to a user and in communication with the identification provider, the at least one communication device configured, by an application and/or a software development kit (SDK), to:
• generate a unique identifier (ID) for the user;
• generate a public/private key pair associated with the unique ID;
• capture a first image associated with a physical document indicative of an identity of the user, the physical document including one of:
• a passport, a driver's license, a national ID card, or a government issued ID;
• capture a second image including an image of the user;
• validate the first image by comparison to the second image;
• in response to an unsuccessful validation of the first image:
• solicit the user to consent to verification by a data aggregator;
• in response to the consent from the user, provide authorization to the data aggregator to collect data associated with one or more of a social persona of the user and a financial persona of the user from multiple trusted sources;
• and
• receive an indicator of trust from the data aggregator, wherein the indicator of trust is calculated using the collected data;
• in response to a successful validation of the first image or in response to the indicator of trust satisfying one or more thresholds, convert the first image into hashed data;
• sign the hashed data with the private key of the public/private key pair;
• and
• transmit at least the signed hashed data, the unique ID, and the public key to the identification provider;
• and
• wherein the identification provider is configured to:
• write an identity record to the ledger data structure at a location identified by a pointer, the identity record comprising at least the unique ID for the user, the signed hashed data, and the public key of the public/private key pair;
• and
• provide the pointer to the at least one communication device.

A non-transitory computer-readable storage media including executable instructions for use in verifying an identity of a user, which, when executed by a processor, cause the processor to:

• generate a unique ID for the user and a public/private key pair associated with the unique ID;
• capture a first image associated with a physical document indicative of an identity of the user, the physical document including one of:
• a passport, a driver's license, a national ID card, or a government issued ID;
• capture a second image including an image of the user;
• validate the first image by comparison to the second image;
• in response to an unsuccessful validation of the first image:
• solicit the user to consent to verification by a data aggregator;
• in response to the consent from the user, provide personal identifying data of the user and authorization to the data aggregator to collect data associated with one or more of a social persona of the user and a financial persona of the user, based on the personal identifying data, from multiple trusted sources;
• and
• receive an indicator of trust from the data aggregator, wherein the indicator of trust is calculated using the collected data;
• in response to a successful validation of the first image or in response to the indicator of trust satisfying one or more thresholds, convert at least the first image, by a one-way hash function, into hashed data;
• sign the hashed data with the private key of the public/private key pair;
• and
• transmit the signed hashed data, the unique ID, and the public key of the public/private key pair to an identification provider, whereby a digital identity record of the user is stored in a ledger data structure.