Systems and methods for enhanced verification of new users to a network based service

A computer-implemented method for verifying a new user during enrollment to a digital wallet application, the digital wallet application including a computing device comprising one or more processors in communication with one or more memory devices, said method comprising:

• receiving, from the new user, an enrollment request to the digital wallet application, the enrollment request including attribute data associated with the new user;
• calculating an authentication level of the enrollment request based on the attribute data, wherein the authentication level represents a level of confidence that the enrollment request is not fraudulent;
• performing a lookup in the one or more memory devices and retrieving an enrollment procedure from a plurality of enrollment procedures for the new user based on the calculated authentication level;
• and
• transmitting the enrollment procedure to the new user to complete the enrollment request.

A non-transitory computer readable medium that includes computer executable instructions for verifying a new user during enrollment to a digital wallet application, the digital wallet application including a computing device comprising one or more processors in communication with one or more memory devices, wherein when executed the computer executable instructions cause the computing device to:

• receive, from a user device of the new user, an enrollment request to the digital wallet application, the enrollment request including attribute data associated with the new user;
• calculate an authentication level of the enrollment request based on the attribute data, wherein the authentication level represents a level of confidence that the enrollment request is not fraudulent;
• perform a lookup in the one or more memory devices and retrieve an enrollment procedure from a plurality of enrollment procedures for the new user based on the calculated authentication level;
• and
• transmit the enrollment procedure to the new user to complete the enrollment request.