Electronic verification system using digital footprint

1. A method for authenticating an account user, the method comprising:

by a client electronic device comprising a processor, executing programming instructions that cause the processor to:

identify one or more electronic sources from which digital history information is permitted to be accessed, wherein the digital history information represents information about past events;

cause an enrollment user interface to be displayed, wherein the enrollment user interface comprises one or more visual representations of the identified electronic sources from which digital history information is permitted to be accessed;

receive from the user a selection of one or more of the visual representations, wherein each selection is thereby a selection of said electronic source; and

send the one or more selections to an account electronic device to be stored in a data store;

cause a verification user interface to be outputted by the client electronic device, wherein the verification user interface includes a graphical element via which the user, when attempting to access an electronic account using the client electronic device, can initiate a digital history verification process;

receive, via the verification user interface, a selection of the graphical element;

send, to the account electronic device, a request for one or more automatically generated verification questions;

receive, from the account electronic device, one or more automatically generated verification questions that are each based on at least a portion of the digital history information;

display to the user via the verification user interface of the client electronic device:

one or more of the verification questions; and

one or more answer fields that correspond to each of the verification questions;

for each verification question, receive from the user an answer to the verification question via a corresponding answer field for the verification question;

send the received answers to the account electronic device; and

receive, in response to sending the received answers from the account electronic device a verification indicating that the user has been authenticated.

2. The method of claim 1 , wherein the one or more selected electronic sources are each associated with a same service provider as the electronic account.

3. The method of claim 1 , wherein one or more of the selected electronic sources is associated with a service provider that is different than a service provider of the electronic account.

4. The method of claim 1 , further comprising executing programming instructions that cause the processor to:

receive a selection of the graphical element from the verification user interface, wherein the selection initiates the digital history verification process.

5. The method of claim 1 , further comprising executing programming instructions that cause the processor to:

in response to receiving the verification from the account electronic device that the user has been authenticated, display via the verification user interface a message indicating that the digital history verification process was successful.

6. The method of claim 1 , further comprising executing programming instructions that cause the processor to:

receive, from the account electronic device, a communication indicating that the user has not been authenticated;

in response to receiving the communication indicating that the user has not been authenticated, display via the verification user interface:

a message indicating that the digital history verification process was not successful; and

a prompt requesting the user to select an alternative verification method.

7. A system of authenticating an account user, the system comprising:

an electronic device comprising a processor; and

a non-transitory computer-readable storage medium comprising one or more programming instructions that cause the processor to:

identify one or more electronic sources from which digital history information is permitted to be accessed, wherein the digital history information represents information about past events,

cause an enrollment user interface to be displayed, wherein the enrollment user interface comprises one or more visual representations of the identified electronic sources from which digital history information is permitted to be accessed,

receive from the user a selection of one or more of the visual representations, wherein each selection is thereby a selection of said electronic source,

send the one or more selections to an account electronic device to be stored in a data store,

cause a verification user interface to be outputted by the electronic device, wherein the verification user interface includes a graphical element via which the user, when attempting to access an electronic account using the electronic device, can initiate a digital history verification process,

receive, via the verification user interface, a selection of the graphical element,

send, to the account electronic device, a request for one or more automatically generated verification questions,

receive, from the account electronic device, one or more automatically generated verification questions that are each based on at least a portion of the digital history information,

display to the user via the verification user interface of the electronic device:

one or more of the verification questions; and

one or more answer fields that correspond to each of the verification questions,

for each verification question, receive from the user an answer to the verification question via a corresponding answer field for the verification question,

send the received answers to the account electronic device, and

receive, in response to sending the received answers from the account electronic device a verification indicating that the user has been authenticated.

8. The system of claim 7 , further comprising:

an account electronic device, the account electronic device configured to:

access, from a data store, an indication of one or more electronic sources of digital history information that have been authorized by the user,

send, to one or more electronic devices associated with one or more of the electronic sources, a request for digital history information that has been collected by the electronic sources and authorized by the user.

9. The system of claim 8 , wherein the digital history information further comprises location services information indicating where a user electronic device associated with the user was located during an applicable time period, wherein the location services information is collected by one or more location sensors of the user electronic device.

10. The system of claim 9 , wherein the user electronic device is a different device than the electronic device.

11. The system of claim 7 , wherein the one or more selected electronic sources are each associated with a same service provider as the electronic account.

12. The system of claim 7 , wherein one or more of the selected electronic sources is associated with a service provider that is different than a service provider of the electronic account.

13. The system of claim 7 , wherein the non-transitory computer-readable storage medium further comprises one or more programming instructions that cause the processor to:

receive a selection of the graphical element from the verification user interface, wherein the selection initiates the digital history verification process.

14. The system of claim 7 , wherein the non-transitory computer-readable storage medium further comprises one or more programming instructions that cause the processor to:

in response to receiving the verification from the account electronic device that the user has been authenticated, display via the verification user interface a message indicating that the digital history verification process was successful.

15. The system of claim 7 , wherein the non-transitory computer-readable storage medium further comprises one or more programming instructions that cause the processor to:

receive, from the account electronic device, a communication indicating that the user has not been authenticated,

in response to receiving the communication indicating that the user has not been authenticated, display via the verification user interface:

a message indicating that the digital history verification process was not successful; and

a prompt requesting the user to select an alternative verification method.