Systems for identity validation and association

A computer program product comprising one or more hardware storage devices having stored thereon instructions that are executable by one or more processors to configure a computer system to integrate centralized communication of endorsable electronic instruments and endorser verification information in a computer-implemented identity validation platform, including instructions that are executable to configure the computer system to perform at least the following:

• receive an endorsable electronic instrument from an endorsement requesting party;
• receive a mobile phone number associated with a targeted endorser;
• associate the mobile phone number with the endorsable electronic instrument;
• send the endorsable electronic instrument and an associated verification information request to the targeted endorser in the form of an SMS/MMS message using the mobile device phone number associated with the targeted endorser, the verification information request including a request for imagery data corresponding to the endorser;
• receive an endorsed electronic instrument and electronic verification information from the mobile phone number associated with the endorser, the electronic verification information including imagery data corresponding to the endorser and including a time stamp indicating when the imagery data was captured;
• and
• associate the verification information with the endorsed electronic instrument to validate the endorsed instrument.

A computer-implemented method for integrating centralized communication of endorsable electronic instruments and endorser verification information in a computer-implemented identity validation platform, the method comprising:

• receiving an endorsable electronic instrument from an endorsement requesting party;
• receiving a mobile phone number associated with a targeted endorser;
• associating the mobile phone number with the endorsable electronic instrument;
• sending the endorsable electronic instrument and an associated verification information request to the targeted endorser in the form of an SMS/MMS message using the mobile device phone number associated with the targeted endorser;
• receiving an endorsed electronic instrument and electronic verification information from the mobile phone number associated with the endorser;
• and
• associating the verification information with the endorsed electronic instrument to validate the endorsed instrument.