Systems and methods for verifying user identities

1. A computer-implemented method for verifying user identities, at least a portion of the method being performed by a computing device comprising at least one processor, the method comprising:

identifying a request from a requesting Internet site to ascertain whether an entity represented by a user account, via which the entity has attempted to access the requesting Internet site, corresponds to a physical person;

in response to the request:

identifying a password vault configured to store login information for at least one third-party Internet site for the user account, the third-party Internet site requiring a physical validation factor that confirms that the user account corresponds to the physical person in order for the entity to establish an account with the third-party Internet site;

inferring, based on the login information for the third-party Internet site stored in the password vault and based on the third-party Internet site requiring the physical validation factor, that the entity previously provided the physical validation factor to the third-party Internet site to establish the account with the third-party Internet site;

determining, based at least in part on inferring that the entity previously provided the physical validation factor to the third-party Internet site, and not based on direct input from the entity, that the user account corresponds to the physical person by:

identifying a weight assigned to the third-party Internet site;

applying the weight in a multi-factor determination of whether the user account corresponds to the physical person;

determining, in the multi-factor determination, that a likelihood that the user account corresponds to the physical person exceeds a predetermined threshold;

responding to the request with an indicator to the requesting Internet site that the user account corresponds to the physical person.

2. The computer-implemented method of claim 1 , wherein the login information comprises information indicating that a user of the user account has successfully logged in to the third-party Internet site.

3. The computer-implemented method of claim 2 , wherein the password vault is configured to reset the information indicating that the user of the user account has successfully logged in to the third-party Internet site when the login information changes.

4. The computer-implemented method of claim 1 , wherein the login information comprises information indicating a number of times that a user of the user account has successfully logged in to the third-party Internet site.

5. The computer-implemented method of claim 1 , wherein:

the indicator comprises an authentication token;

responding to the request comprises:

transmitting the authentication token to the user account for submission by the user account to a validating system;

transmitting the authentication token to the validating system for verification of the user account.

6. The computer-implemented method of claim 1 , wherein the physical validation factor comprises at least one of:

credit card information;

in-person authentication;

phone number authentication;

a document scan;

a home address verification;

biometric data.

7. The computer-implemented method of claim 1 , wherein determining, based at least in part on inferring that the entity previously provided the physical validation factor to the third-party Internet site, that the user account corresponds to the physical person comprises determining that the third-party Internet site requires the physical validation factor by:

identifying a database of third-party Internet sites that require physical validation factors;

querying the database to determine that the third-party Internet site requires the physical validation factor.

8. A system for verifying user identities, the system comprising:

an identification module, stored in memory, programmed to identify a request from a requesting Internet site to ascertain whether a user account, via which the entity has attempted to access the requesting Internet site, corresponds to a physical person;

a vault module, stored in memory, programmed to, in response to the request, identify a password vault configured to store login information for at least one third-party Internet site for the user account, the third-party Internet site requiring a physical validation factor that confirms that the user account corresponds to the physical person in order for the entity to establish an account with the third-party Internet site;

an inference module, stored in memory, programmed to infer, based on the login information for the third-party Internet site stored in the password vault and based on the third-party Internet site requiring the physical validation factor, that the entity previously provided the physical validation factor to the third-party Internet site to establish the account with the third-party Internet site;

a determination module, stored in memory, programmed to determine, based at least in part on inferring that the entity previously provided the physical validation factor to the third-party Internet site, and not based on direct input from the entity, that the user account corresponds to the physical person by:

identifying a weight assigned to the third-party Internet site;

applying the weight in a multi-factor determination of whether the user account corresponds to the physical person;

determining, in the multi-factor determination, that a likelihood that the user account corresponds to the physical person exceeds a predetermined threshold;

a response module, stored in memory, programmed to respond to the request with an indicator to the requesting Internet site that the user account corresponds to the physical person;

at least one physical processor configured to execute the identification module, the vault module, the inference module, the determination module, and the response module.

9. The system of claim 8 , wherein the login information comprises information indicating that a user of the user account has successfully logged in to the third-party Internet site.

10. The system of claim 9 , wherein the password vault is configured to reset the information indicating that the user of the user account has successfully logged in to the third-party Internet site when the login information changes.

11. The system of claim 8 , wherein the login information comprises information indicating a number of times that a user of the user account has successfully logged in to the third-party Internet site.

12. The system of claim 8 , wherein:

the indicator comprises an authentication token;

the response module is programmed to respond to the request by:

transmitting the authentication token to the user account for submission by the user account to a validating system;

transmitting the authentication token to the validating system for verification of the user account.

13. The system of claim 8 , wherein the physical validation factor comprises at least one of:

credit card information;

in-person authentication;

phone number authentication;

a document scan;

a home address verification;

biometric data.

14. The system of claim 8 , wherein the determination module is programmed to determine, based at least in part on inferring that the entity previously provided the physical validation factor to the third-party Internet site, that the user account corresponds to the physical person by determining that the third-party Internet site requires the physical validation factor by:

identifying a database of third-party Internet sites that require physical validation factors;

querying the database to determine that the third-party Internet site requires the physical validation factor.

15. A non-transitory computer-readable-storage medium comprising one or more computer-executable instructions that, when executed by at least one processor of a computing device, cause the computing device to:

identify a request from a requesting Internet site to ascertain whether a user account, via which the entity has attempted to access the requesting Internet site, corresponds to a physical person;

in response to the request:

identify a password vault configured to store login information for at least one third-party Internet site for the user account, the third-party Internet site requiring a physical validation factor that confirms that the user account corresponds to the physical person in order for the entity to establish an account with the third-party Internet site;

infer, based on the login information for the third-party Internet site stored in the password vault and based on the third-party Internet site requiring the physical validation factor, that the entity previously provided the physical validation factor to the third-party Internet site to establish the account with the third-party Internet site; determine, based at least in part on inferring that the entity previously provided the physical validation factor to the third-party Internet site, and not based on direct input from the entity, that the user account corresponds to the physical person by:

identifying a weight assigned to the third-party Internet site;

applying the weight in a multi-factor determination of whether the user account corresponds to the physical person;

determining, in the multi-factor determination, that a likelihood that the user account corresponds to the physical person exceeds a predetermined threshold;

respond to the request with an indicator to the requesting Internet site that the user account corresponds to the physical person.

16. The non-transitory computer-readable-storage medium of claim 15 , wherein the login information comprises information indicating that a user of the user account has successfully logged in to the third-party Internet site.

17. The non-transitory computer-readable-storage medium of claim 16 , wherein the password vault is configured to reset the information indicating that the user of the user account has successfully logged in to the third-party Internet site when the login information changes.

18. The non-transitory computer-readable-storage medium of claim 15 , wherein the login information comprises information indicating a number of times that a user of the user account has successfully logged in to the third-party Internet site.

19. The non-transitory computer-readable-storage medium of claim 15 , wherein:

the indicator comprises an authentication token;

responding to the request comprises:

transmitting the authentication token to the user account for submission by the user account to a validating system;

transmitting the authentication token to the validating system for verification of the user account.

20. The non-transitory computer-readable-storage medium of claim 15 , wherein the physical validation factor comprises at least one of:

credit card information;

in-person authentication;

phone number authentication;

a document scan;

a home address verification;

biometric data.