| CPC H04L 63/083 (2013.01) [G06Q 20/3274 (2013.01); G06Q 20/3821 (2013.01); G06Q 30/0251 (2013.01); H04L 63/08 (2013.01); H04L 63/0861 (2013.01); H04L 2463/102 (2013.01)] | 13 Claims |

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1. A computer-implemented method of authenticating an identity of a user, qualifications of a user, or combinations thereof, the method comprising:
receiving, via a processor of an officially verifiable electronic representation (OVER) engine, an OVER file generation request comprising a credential identifier, and wherein generating the OVER file generation request further comprises correlating the credential identifier to one of a plurality of physical credentials stored by the OVER engine;
generating, via the processor of the OVER Engine, an OVER file comprising a virtual representation of a physical credential that proves identity of the user, qualifications of the user, or combinations thereof and a status indicator associated with the OVER file based on the agency authentication wherein the OVER file comprises a portion of the credential information associated with the physical credential;
receiving, via the processor of the OVER engine, an agency authentication and credential information from an issuing agency of the physical credential of the user, wherein the agency authentication and credential information validate the generated OVER file as an authorized representation of the physical credential;
transmitting, via the processor of the OVER engine, the OVER file to an OVER file storage client device of the user in response to an OVER file generation request;
receiving, via the processor of the OVER engine, a request to authenticate the user from an OVER file third-party client verifying device attempting to authenticate the user, wherein the request to authenticate the user comprises information associated with the OVER file stored on the OVER file storage client device of the user;
correlating, via the processor of the OVER engine, the credential information received from the issuing agency information with the information associated with the OVER file stored on the OVER file storage client device of the user; and
transmitting, via the processor of the OVER engine, an authentication message comprising an authentication of the user to the OVER file third-party client verifying device based on the correlation;
generating, via the processor of the OVER engine, a device identifier associated with the credential, wherein the device identifier limits use of the credential to the OVER file storage client device; and
generating, via the processor of the OVER engine, a reference to a remotely stored credential, wherein the information associated with the credential of the user comprises the reference to the remotely stored credential.
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