Systems and methods for establishing, using, and recovering universal digital identifiers

1. A computer-implemented method comprising:

establishing a universal identifier (ID) associated with a user and a device of the user, the universal ID being universal with respect to a plurality of distinct entities, the universal ID having at least a suspended state and an unsuspended state, the universal ID initially being in the unsuspended state;

transmitting the universal ID to the device of the user;

after transmitting the universal ID to the device of the user, detecting an ID-suspension event in connection with the universal ID, and responsively suspending the universal ID, the suspending of the universal ID comprising placing the universal ID in the suspended state; and

after suspending the universal ID, completing an ID-recovery process for the universal ID, and responsively unsuspending the universal ID, the unsuspending of the universal ID comprising placing the universal ID in the unsuspended state.

2. The method of claim 1 , wherein:

one or more user identifiers are associated with the user; and

establishing the universal ID associated with the user and the device of the user comprises deriving the universal ID from at least the one or more user identifiers and one or more device identifiers of the device of the user.

3. The method of claim 1 , wherein the plurality of distinct entities comprises at least two distinct financial-services institutions.

4. The method of claim 1 , wherein:

the plurality of distinct entities comprises a first entity; and

the method further comprises receiving, from the first entity, an ID-validation request seeking validation of the universal ID, and responsively validating the universal ID and providing an ID-validated response to the first entity.

5. The method of claim 1 , further comprising:

establishing a second universal ID associated with the user and a second device of the user, the second universal ID being universal with respect to the plurality of distinct entities, the second universal ID having at least the suspended state and the unsuspended state, the second universal ID initially being in the unsuspended state;

transmitting the second universal ID to the second device of the user;

after transmitting the second universal ID to the second device of the user, detecting a second ID-suspension event in connection with the second universal ID, and responsively suspending the second universal ID, the suspending of the second universal ID comprising placing the second universal ID in the suspended state; and

after suspending the second universal ID, completing a second ID-recovery process with respect to the second universal ID, and responsively unsuspending the second universal ID, the unsuspending of the second universal ID comprising placing the second universal ID in the unsuspended state.

6. The method of claim 1 , wherein transmitting the universal ID to the device of the user comprises transmitting the universal ID to the device of the user as part of a download of an application to the device of the user.

7. The method of claim 1 , wherein transmitting the universal ID to the device of the user comprises transmitting the universal ID to the device of the user for incorporation into a point-of-sale function of the device of the user.

8. The method of claim 1 , wherein transmitting the universal ID to the device of the user comprises transmitting the universal ID to the device of the user for incorporation on the device of the user into an application associated with an entity in the plurality of entities.

9. The method of claim 1 , wherein, while the universal ID is in the unsuspended state, at least one entity in the plurality of entities applies a different security protocol to authentication attempts that are associated with a universal ID than to authentication attempts that are not associated with a universal ID.

10. The method of claim 1 , wherein the ID-suspension event comprises the device of the user being reported lost or stolen.

11. The method of claim 1 , wherein the ID-suspension event comprises fraudulent activity associated with the universal ID.

12. The method of claim 1 , wherein:

the suspending of the universal ID further comprises notifying each of the entities in the plurality of entities that the universal ID is in the suspended state; and

the unsuspending of the universal ID further comprises notifying each of the entities in the plurality of entities that the universal ID is in the unsuspended state.

13. The method of claim 1 , wherein the suspending of the universal ID further comprises placing at least one additional universal ID in the suspended state, the at least one additional universal ID being associated with at least one additional device of the user.

14. The method of claim 1 , wherein, while the universal ID is in the suspended state, at least one entity in the plurality of entities denies any attempted transaction associated with the universal ID.

15. The method of claim 1 , wherein, while the universal ID is in the suspended state, at least one entity in the plurality of entities limits a permissible monetary amount of any attempted transaction associated with the universal ID.

16. The method of claim 1 , wherein the ID-recovery process for the universal ID comprises receiving an ID-verification value from the user.

17. The method of claim 16 , further comprising transmitting the ID-verification value to the user via a secondary communication channel.

18. The method of claim 1 , wherein the ID-recovery process for the universal ID comprises:

generating a replacement universal ID for a replacement device of the user; and

replacing the universal ID with the replacement universal M.

19. A system comprising:

at least one processor; and

one or more non-transitory computer readable storage media containing instructions executable by the at least one processor for causing the at least one processor to perform operations comprising:

establishing a universal identifier (ID) associated with a user and a device of the user, the universal ID being universal with respect to a plurality of distinct entities, the universal ID having at least a suspended state and an unsuspended state, the universal ID initially being in the unsuspended state;

transmitting the universal ID to the device of the user;

after transmitting the universal ID to the device of the user, detecting an ID-suspension event in connection with the universal ID, and responsively suspending the universal ID, the suspending of the universal ID comprising placing the universal ID in the suspended state; and

after suspending the universal ID, completing an ID-recovery process for the universal ID, and responsively unsuspending the universal ID, the unsuspending of the universal ID comprising placing the universal ID in the unsuspended state.

20. One or more non-transitory computer readable storage media containing instructions executable by at least one processor for causing the at least one processor to perform operations comprising:

establishing a universal identifier (ID) associated with a user and a device of the user, the universal ID being universal with respect to a plurality of distinct entities, the universal ID having at least a suspended state and an unsuspended state, the universal ID initially being in the unsuspended state;

transmitting the universal ID to the device of the user;

after transmitting the universal ID to the device of the user, detecting an ID-suspension event in connection with the universal ID, and responsively suspending the universal ID, the suspending of the universal ID comprising placing the universal ID in the suspended state; and

after suspending the universal ID, completing an ID-recovery process for the universal ID, and responsively unsuspending the universal ID, the unsuspending of the universal ID comprising placing the universal ID in the unsuspended state.