Identity proofing offering for customers and non-customers

A method, comprising:

• receiving, via a first application programming interface (API), information related to a consumer;
• decrypt, via one or more processors, the received information with a decryption key associated with a key pair, the decryption key being derived using a rotatable public key and a private key in the key pair, the rotatable public key being valid during a predetermined period of time and rotated for another public key after expiration of the predetermined period of time;
• generating, via the first API, a transaction identifier, the transaction identifier being representative of the decrypted received information;
• determining, via the one or more processors, one or more transaction attributes based on the transaction identifier, wherein the one or more transaction attributes indicate one or more verifications to be performed, and validating, using a second API different from the first API, the one or more transaction attributes, and initiate, based on validation of the one or more transaction attributes, at least one verification in the one or more verifications;
• selecting, based on the one or more transaction attributes and the transaction identifier, the at least one verification and one or more verification systems in a plurality of verification systems for performing the at least one verification;
• calling, via the second API, the selected one or more verification systems for performing the at least one verification, wherein the selected one or more verification systems are one or more authoritative sources for verifying an identity of the consumer and wherein the second API calls only the selected one or more verification systems corresponding to the at least one verification indicated in the one or more transaction attributes;
• generating and providing, via the one or more processors, an identity proofing result for each of the at least one verification;
• generating, via the one or more processors, one or more identity proofing results for each of the at least one verification;
• and
• selecting, via the one or more processors, based on the one or more transaction attributes and the transaction identifier, at least one identity proofing result in the one or more identity proofing results, and provide the selected at least one identity proofing result.

At least one non-transitory computer-readable storage medium storing computer-readable program code executable by one or more processors to:

• receive, via a first application programming interface (API), information related to a consumer;
• decrypt the received information with a decryption key associated with a key pair, the decryption key being derived using a rotatable public key and a private key in the key pair, the rotatable public key being valid during a predetermined period of time and rotated for another public key after expiration of the predetermined period of time;
• generate, via the first API, a transaction identifier, the transaction identifier being representative of the decrypted received information;
• determine one or more transaction attributes based on the transaction identifier, wherein the one or more transaction attributes indicate one or more verifications to be performed, and validate, using a second API different from the first API, the one or more transaction attributes, and initiate, based on validation of the one or more transaction attributes, at least one verification in the one or more verifications;
• select, based on the one or more transaction attributes and the transaction identifier, the at least one verification and one or more verification systems in a plurality of verification systems for performing the at least one verification;
• call, via the second API, the selected one or more verification systems for performing the at least one verification, wherein the selected one or more verification systems are one or more authoritative sources for verifying an identity of the consumer and wherein the second API calls only the selected one or more verification systems corresponding to the at least one verification indicated in the one or more transaction attributes;
• generate one or more identity proofing results for each of the at least one verification;
• and
• select, based on the one or more transaction attributes and the transaction identifier, at least one identity proofing result in the one or more identity proofing results, and provide the selected at least one identity proofing result.