Identity management service via a user-level token

A computing implemented method performed by an identity verification computing system communicatively coupled to an entity computing system of a merchant, the method comprising:

• determining, by the identity verification computing system, whether an individual is associated with an existing user account;
• in response to determining that the individual is not associated with an existing user account, prompting, by the identity verification computing system, the individual to create a user account;
• verifying, by the identity verification computing system, an identity of the individual using personal identifying information associated with the individual;
• receiving, by the identity verification computing system, non-financial information associated with the individual;
• generating, by the identity verification computing system, a user-level profile, wherein the user-level profile comprises the non-financial information;
• generating, by the identity verification computing system, a user-level token unique to the individual, wherein the user-level token is associated with the user-level profile;
• transmitting, by the identity verification computing system, the user-level token to a device associated with the individual via a network;
• receiving, by the identity verification computing system, an identity verification request comprising the user-level token;
• validating, by the identity verification computing system, the user-level token;
• determining, by the identity verification computing system, that the identity verification request includes contextual data;
• determining, by the identity verification computing system, the non-financial information within the user-level profile that is relevant to the contextual data;
• and
• transmitting, by the identity verification computing system to the entity computing system, an identity verification approval and the non-financial information relevant to the contextual data.

A non-transitory computer-readable medium having processor-readable instructions stored thereon such that, when executed by one or more processors, cause the one or more processors to perform the steps of:

• determining whether an individual is associated with an existing user account;
• in response to determining that the individual is not associated with an existing user account, prompting the individual to create a user account;
• verifying an identity of the individual using personal identifying information associated with the individual;
• receiving non-financial information associated with the individual;
• generating a user-level profile, wherein the user-level profile comprises the non-financial information;
• generating a user-level token unique to the individual, wherein the user-level token is associated with the user-level profile;
• transmitting the user-level token to a device associated with the individual via a network;
• receiving an identity verification request comprising the user-level token;
• validating the user-level token;
• determining that the identity verification request includes contextual data;
• determining the non-financial information within the user-level profile that is relevant to the contextual data;
• and
• transmitting an identity verification approval and the non-financial information relevant to the contextual data to an entity computing system associated with a merchant.