Provisioning a user account. A method includes, at a local entity contacting an identity system to begin user account provisioning. The method further includes receiving from the identity system a correlating factor related to a verification code sent to the user from the identity system. The method further includes receiving from the user, profile information entered into the local entity, where the profile information is to be stored in the user account. The method further includes receiving from the user the verification code corresponding to the correlating factor. The method further includes sending the correlating factor, user entered verification code and the user entered profile information to the identity system, where the identity system determines that the verification code properly correlates to the correlating factor, and as a result provisions the user account and stores the profile information in the user account.