Abstract: Systems and methods of the present disclosure enable the generation and use of secure offline tokens for account activity authentication. A processor receives an activity record including activity details including an entity identifier. The processor determines a flight booking associated with the activity record when the entity identifier includes an airline, and determines flight data associated with the flight booking. The processor automatically generates an offline token associated with the user account, including account access restrictions. The account access restrictions include a token activation period that binds the offline token to a duration of the flight, and a token entity binding that binds the offline token to use with the airline for performing in-flight account activity requests. The processor automatically causes a computing device to download the offline token to enabling performing the in-flight account activity requests with the entity during the offline token activation period.

Abstract: Various embodiments are directed to a system or platform with machine learning capabilities configured to accurately predict in real-time a depreciation factor of a vehicle associated with a customer and further accurately predict a present value of the vehicle based at least in part on card transaction data associated with the customer. Based on one or more factors, such as a determination that the present value of the vehicle falls below a predefined threshold value, one or more auto financing products may be generated and provided to the customer by the system.