Digital wallet authentication system and method

A computer-based system comprising:

• a computing device comprising a processor and a memory;
• and machine-readable instructions stored in the memory that, when executed by the processor, cause the computing device to at least:
• receive, by a wallet application of the computing device, a first electronic identification instrument of a user and a first electronic token for the first electronic identification instrument from an identity broker, wherein the first electronic token validates an authenticity of the first electronic identification instrument and the first electronic identification instrument comprises a certified digital image of a first personal identification card of the user;
• and
• present, by the wallet application of the computing device, the first electronic identification instrument and the first electronic token to a wallet reader of a requestor as part of an online transaction involving the requester.