Systems and methods for use in managing complex user credentials

A non-transitory computer-readable storage medium comprising executable instructions for verifying identity claims, based on multiple credentials, which when executed by at least one processor, cause the at least one processor to:

• receive a request for identity claims from a relying party, the identity claims associated with a user;
• solicit, at a mobile device of the user, a consent from the user to share the identity claims with the relying party;
• solicit, at the mobile device of the user, an authentication input from the user;
• authenticate the user based on the authentication input received from the user at the mobile device;
• in response to the authentication of the user and the consent received from the user, compile, from multiple credentials included in the mobile device, the identity claims included in the request;
• and
• share the compiled identity claims with the relying party, in response to the request.

A system for use in providing verified claims, based on multiple credentials, to a relying party, the system comprising a computing device including a complex claims orchestrator (CCO) and a digital wallet;

• wherein the CCO is configured to:
• receive a request for identity claims from a relying party;
• and
• communicate the request to the digital wallet;
• wherein the digital wallet is configured to:
• solicit an authentication input from the user;
• authenticate the user based on the authentication input received from the user at the computing device;
• in response to authentication of the user, compile from multiple credentials included in the computing device, the identity claims included in the request;
• and
• share the determined identity claims with the CCO;
• and
• wherein the CCO is configured to share the determined identity claims, received from the digital wallet, with the relying party in response to the request.