Systems and methods for real-time identity proofing with verification

A system comprising at least one computer including a processor, wherein the at least one computer is configured to:

• receive, at a change request service, a request to update contact information data, wherein the request to update the contact information data is associated with a stored customer profile;
• send, by the change request service, the contact information data and a customer identifier to a verification service provider;
• receive, at the change request service, from the verification service provider, and in response to the contact information data, a raw ownership score;
• normalize, by the change request service, the raw ownership score, wherein normalizing the raw ownership score generates a normalized ownership score;
• send, by the change request service, the contact information data, the customer identifier, and the normalized ownership score to a risk engine;
• receive, by the change request service and as output from the risk engine, a confidence score;
• provide, by the change request service, the confidence score, the normalized ownership score, and historical data associated with the stored customer profile, to a consolidation function;
• receive, by the change request service and from the consolidation function, a consolidated trust score;
• and
• update, by the change request service and based on the consolidated trust score, a datastore record associated with a customer represented by the customer identifier with the contact information data.

A non-transitory computer readable storage medium, including instructions stored thereon, which instructions, when read and executed by one or more computer processors, cause the one or more computer processors to perform steps comprising:

• receiving, at a change request service, a request to update contact information data, wherein the request to update the contact information data is associated with a stored customer profile;
• sending, by the change request service, the contact information data and a customer identifier to a verification service provider;
• receiving, at the change request service, from the verification service provider, and in response to the contact information data, a raw ownership score;
• normalizing, by the change request service, the raw ownership score, wherein normalizing the raw ownership score generates a normalized ownership score;
• sending, by the change request service, the contact information data, the customer identifier, and the normalized ownership score to a risk engine;
• receiving, by the change request service and as output from the risk engine, a confidence score;
• providing, by the change request service, the confidence score, the normalized ownership score, and historical data associated with the stored customer profile, to a consolidation function;
• receiving, by the change request service and from the consolidation function, a consolidated trust score;
• and
• updating, by the change request service and based on the consolidated trust score, a datastore record associated with a customer represented by the customer identifier with the contact information data.