Systems and Methods for Use in Verifying Users to Service Providers

A computer-implemented method for providing verification of a user, through a virtual wallet account associated with the user, in connection with a subscription of the user to one or more services, the method comprising:

• receiving, by at least one computing device, from a service provider, a request to verify a user associated with a virtual wallet account in connection with subscription of the user to at least one service associated with the service provider, the virtual wallet account associated with a communication device of the user and provisioned with at least one payment account;
• requesting, by the at least one computing device, authentication of the user to the virtual wallet account;
• after authentication of the user, generating, by the at least one computing device, a subscription message, the subscription message including at least assurance data for the user based on the virtual wallet account, a timestamp, and a wallet identifier for the virtual wallet account and/or the communication device, the assurance data including historic details of the at least one payment account and/or the virtual wallet account;
• and
• transmitting the subscription message to the service provider in response to the request to verify the user associated with the virtual wallet account, thereby permitting the service provider to rely on the assurance data and to proceed, or not, with subscription of the user to the at least one service while omitting further verification of the user with a third party and apart from the at least one computing device.

A non-transitory computer-readable storage media including executable instructions for providing verification of a user, through a virtual wallet account associated with the user, in connection with subscription by the user for at least one service, which when executed by at least one processor, cause the at least one processor to:

• receive, from a service provider, a request to verify a user associated with a virtual wallet account in connection with subscription of the user to at least one service associated with the service provider, the virtual wallet account associated with a communication device of the user and provisioned with at least one payment account;
• when the user is authenticated to the virtual wallet account in connection with the request, generate a subscription message having assurance data, a timestamp, and a wallet identifier for the virtual wallet account and/or the communication device, the assurance data including an interval associated with a last transaction to the at least one payment account and/or an interval associated with provisioning of the at least one payment account to the virtual wallet account;
• and
• transmit the subscription message to the service provider in response to the request to verify the user associated with the virtual wallet account, thereby permitting the service provider to rely on the assurance data in proceeding, or not, with subscription of the user to the at least one service, without further and separately verifying the user with a third party and apart from the at least one processor.