Abstract: Methods, apparatuses, and computer program products are disclosed for account verification. An example method includes receiving a request for payment transmission from a payment provider device and generating a first verification element for a payment destination device associated with the request for payment transmission. The method further includes transmitting the first verification element to the payment destination device via a first real-time payment message. In an instance in which the computing device receives responsive authorization from the payment destination device, the method includes verifying the payment destination device. In response to verifying the payment destination device, the method includes transmitting a first real-time payment to the payment destination device. In an instance in which the computing device fails to receive responsive authorization from the payment destination device, the method includes transmitting a verification failure notification to the payment provider device.

Abstract: Methods, apparatuses, and computer program products are disclosed for effectuating payment for consumable content. An example method includes receiving a request for payment associated with a content source device and identifying a first user device associated with a first user accessing consumable content of the content source device. The method further includes transmitting an actionable payment notification to the first user device. In an instance in which the computing device receives responsive authorization from the first user device, the method includes transmitting a first real-time payment to the content source device. In an instance in which the computing device fails to receive responsive authorization from the first user device, the method includes causing access of the consumable content to the first user device to halt.

Abstract: Methods, apparatuses, and computer program products are disclosed for effectuating payment for consumable content. An example method includes receiving a request for payment associated with a content source device and identifying a first user device associated with a first user accessing consumable content of the content source device. The method further includes transmitting an actionable payment notification to the first user device. In an instance in which the computing device receives responsive authorization from the first user device, the method includes transmitting a first real-time payment to the content source device. In an instance in which the computing device fails to receive responsive authorization from the first user device, the method includes causing access of the consumable content to the first user device to halt.

Abstract: Methods, apparatuses, and computer program products are disclosed for effectuating payment for time-sensitive responses. An example method includes receiving a time-sensitive request for payment from a service provider device, generating an actionable payment notification for a first user device associated with the time-sensitive request for payment, and transmitting the actionable payment notification to the first user device. In an instance in which the computing device receives responsive authorization from the first user device, the method includes transmitting a first real-time payment to the service provider device. In an instance in which the computing device fails to receive responsive authorization from the first user device, the method includes transmitting a payment failure notification to the service provider device.

Abstract: In an embodiment, a financial-institution system receives an identity-validation transmission via a real-time-payment platform. The identity-validation transmission is received in association with a first deposit account that is held at a financial institution that is associated with the financial-institution system. The identity-validation transmission was sent via the real-time-payment platform in association with a second deposit account. The identity of an account holder of the second deposit account is validated based at least in part on the identity-validation transmission.

Abstract: Various examples are directed to systems and methods for authorizing a human user to execute transaction at a physical location. A location computing system may receive payment receipt data comprising an indication of a payment made from an account associated with a transaction party to an account associated with the location, and token data associated with the transaction. Based at least in part on the payment receipt data, the location computing system may determine to authorize execution of the transaction with a human user physically present at the location and generate an authorization output indicating that execution of the transaction with the human user is authorized.