Abstract: Embodiments disclosed are directed to a computing system that performs operations for streamlining user interaction in a user evaluation process. The computing system receives, at a first time, a request to update an account balance of a user account with a differential amount. The computing system determines a source of the request. The computing system generates a priority level for the request based on the determined source of the request. The computing system processes the request based on the generated priority level. The computing system generates a risk model associated with the user account based on electronic information associated with the user account. The computing system determines a supplemental amount associated with the user account based on the generated risk model. The computing system determines whether the differential amount is less than or equal to the supplemental amount.

Abstract: Disclosed herein are system, method, and computer program product embodiments for authenticating a user at a kiosk device based on a unique token received by a client device to verify that an identity of the user is authentic, and further permit the user to access an account at the kiosk device. The unique token can be generated responsive to receiving an electronic notification that a card to access the kiosk device associated with the account has been reported lost or stolen. The unique token can be transmitted to the client device associated with the account and the user. The user can be authenticated when the unique token is received from the kiosk device responsive to input data provided by the user. Once authenticated, the user can access the account at the kiosk device.