Systems for identity validation and association

A method implemented at a computer system that includes one or more processors, the method comprising:

• receiving an endorsable electronic instrument from an endorsement requesting party;
• receiving a mobile phone number associated with a targeted endorser;
• generating a link to an endorsement application at which the endorsable electronic instrument is accessible to the targeted endorser;
• sending the generated link and a verification information request in one or more messages targeted to the mobile phone number associated with the targeted endorser, the verification information request including a request for imagery of the targeted endorser;
• receiving an endorsed electronic instrument and electronic verification information at the endorsement application, the electronic verification information including imagery data and including a time stamp indicating when the imagery data was captured,
• wherein the received imagery data is validated at least according to,
• whether the time stamp is sufficiently recent based on a time or time period, and
• whether the imagery data sufficiently matches expected imagery data.

A computer program product comprising one or more hardware storage devices having stored thereon computer-executable instructions that are executable by one or more processors to configure a 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;
• generate a link to an endorsement application at which the endorsable electronic instrument is accessible to the targeted endorser;
• send the generated link and a verification information request in one or more messages targeted to the mobile phone number associated with the targeted endorser, the verification information request including a request for imagery of the targeted endorser;
• receive an endorsed electronic instrument and electronic verification information at the endorsement application, the electronic verification information including imagery data and including a time stamp indicating when the imagery data was captured,
• wherein the received imagery data is validated at least according to,
• whether the time stamp is sufficiently recent based on a time or time period, and
• whether the imagery data sufficiently matches expected imagery data.