Method and system for identity verification and authorization of request by checking against an active user directory of identity service entities selected by an identity information owner

Abstract

A computer implemented system and method for a consumer based access control for identity information. The method and system involve receiving at an identity organization a request for registration and verification of the identity information and configuring a specific user selected policy for notification and authorization of such identity requests of a desired (or intended) identity service (or plurality of services) associated with the targeted user identification. Next, processing the request in a Joint Identity Information Service Network (JIISN) server framework for the detection and verification of a request against an active directory of users or organizations who have opted in for notification; computing the required action based on the configuration of the policies in one of the group consisting of: a JISN policy engine and a user remote mobile control system; communicating with a real time authorization server (e.g., eGuardian™) which in part identifies the registered authorizing party including delivering notification for the identity services requested by the user based on the JISN policy engine setting through the agency or organization Identity System Service (e.g., It'sMe™ service) and alternatively user mobile rules; automatic rejection (or lock down of the Identity or data), automatic approval or real time authorization delivering the request authorization through a secure communication network back to a joint identity network service comprised of a plurality of government or private identity and credit report services; and determining if a user is to be verified using a second or multi factor authenticating service.