Systems for generating an auditable digital certificate

1. A server system for generating an auditable digital certificate, the server system comprising:

a first server with memory storing one or more data structures, the one or more data structures including a user information database storing user information associated with a plurality of users;

a second server with memory storing one or more data structures, the one or more data structures including a certificate database storing digital certificates associated with requests for the user information stored in the user information database;

a third server with one or more processors and memory storing one or more programs, that, when executed by the one or more processors, cause the third server to:

receive, from a requester at a remote enterprise device, a request for user information associated with a user of the plurality of users, wherein the user information corresponds to user information stored in the user information database;

before granting the request, determine that an authorization from the user is required;

in response to determining that authorization from the user is required:

create a digital certificate comprising: a unique identifier associated with the requester, a context of the request, and a date and time associated with the request;

send, to a remote client device associated with the user, an authorization request that includes: a request for consent to grant the request from the requester, and a request for identity verification evidence;

receive, from the remote client device, the consent and the identity verification evidence;

add to the created digital certificate: a unique identifier associated with the remote client device, the consent received from the remote client device, and a date and time associated with receipt of the consent;

tamperproof the digital certificate by digitally signing the digital certificate; and

store the digital certificate in the certificate database.

2. The server system of claim 1 , wherein the identity verification evidence is an image from a camera of the remote client device.

3. The server system of claim 1 , wherein the identity verification evidence is positioning information from a positioning system of the remote client device.

4. The server system of claim 1 , wherein the identity verification evidence is a unique identifier of the remote client device.

5. The server system of claim 4 , wherein the unique identifier of the remote client device is an IMEI number associated with the remote client device.

6. The server system of claim 4 , wherein the unique identifier of the remote client device is an IP address associated with the remote client device.

7. The server system of claim 4 , wherein the unique identifier of the remote client device is a MAC address associated with the remote client device.

8. The server system of claim 1 , wherein the certificate further includes a transaction rating.

9. The server system of claim 1 , wherein the certificate further includes a verification rating for the user.

10. The server system of claim 1 , wherein the context is a know-your-customer share.

11. The server system of claim 1 , wherein the context is a document update.

12. The server system of claim 1 , wherein the context includes a fraud alert.

13. A server configured to generate an auditable digital certificate, the server comprising:

one or more processors; and

memory that stores:

a user information database including user information associated with a plurality of users;

a certificate database including digital certificates associated with requests for the user information stored in the user information database; and

one or more programs that, when executed by the one or more processors, cause the server to:

receive, from a requester at a remote enterprise device, a request for user information associated with a user of the plurality of users, wherein the user information corresponds to user information stored in the user information database;

send, to a remote client device associated with the user, an authorization request that requires: consent and identity verification evidence;

receive, from the remote client device, the consent and the identity verification evidence;

determine whether an authorization from the user is required before granting the request for user information associated with the user;

create a digital certificate comprising: a unique identifier associated with the requester, a context of the request, and a date and time associated with the request;

in response to receiving the consent and the identity verification evidence from the remote client device, add to the created digital certificate: a unique identifier associated with the remote client device, the consent received from the remote client device, and a date and time associated with receipt of the consent;

tamperproof the digital certificate by digitally signing the digital certificate; and

store the digital certificate in the certificate database.

14. The server of claim 13 , wherein the identity verification evidence is positioning information from a positioning system of the remote client device.

15. The server of claim 13 , wherein the identity verification evidence is a unique identifier of the remote client device.

16. The server of claim 13 , wherein the certificate further includes a transaction rating.

17. The server of claim 13 , wherein the certificate further includes a verification rating for the user.

18. The server of claim 13 , wherein the context includes a fraud alert.

19. The server of claim 13 , wherein the context includes a know your-customer share.

20. The server of claim 13 , wherein the context includes a travel confirmation.

21. The server system of claim 1 , wherein tamperproofing the digital certificate by digitally signing the digital certificate closes the digital certificate such that changes to the digital certificate are prevented.

22. The server of claim 13 , wherein tamperproofing the digital certificate by digitally signing the digital certificate closes the digital certificate such that changes to the digital certificate are prevented.