Abstract: Disclosed herein are system, method, and computer readable media embodiments for global identity verification of a user for multiple services. In some embodiments, a centralized authentication platform (CAP) may receive a request from an independent service to generate an authentication token for a client device based on authentication performed by the service. The CAP may generate an authentication token of a particular authorization level, based on the method of authentication used by the service. The CAP may send the token to the client device as well as store the token in a database. The CAP may receive a second request from a second, unrelated service to validate the authentication token on the client device. The CAP may validate the token on the client device against the token in the database based on an authentication level thereof, and send a response to the second service indicating token validity.

Abstract: In a method for providing provisioning information, a central data processing system receives from a transaction data processing system, an encrypted user datum associated with a client user of the transaction data processing system; receives from at least one of a plurality of account administrator data processing systems, a response comprising a notification that a user account administrated by that account administrator data processing system is associated with the client user; receives an account administrator selection message including identification of a user-selected account administrator from an account administrator list; transmits to the account administrator data processing system associated with the user-selected account administrator, a provisioning request for client user account provisioning information; receives from the account administrator data processing system associated with the user-selected account administrator, the client user account provisioning information; and transmits to the t

Abstract: Systems and methods for successively executing an operation over multiple communication networks. In some aspects, the system obtains first access information received from a physical token and generates an operation related to an aggregated virtual container. The system determines a first communication network from the first access information and transmits, via the first communication network, the operation associated with the aggregated virtual container. If the operation was not transmitted successfully via the first communication network, the system obtains second access information received from the physical token, determines a second communication network from the second access information, and transmits, via the second communication network, the operation associated with the aggregated virtual container. If the operation was transmitted successfully via the second communication network, the system generates for display a notification that the operation has been executed.

Abstract: Systems and methods for executing sequential suboperations over multiple communication networks. In some aspects, the system receives, via a first communication network, from an external system, an operation related to an aggregated virtual container. The system generates sequential suboperations including a first suboperation associated with a provider of the aggregated virtual container and the external system and a second suboperation associated with the user and the provider of the aggregated virtual container. If the first suboperation is executed successfully, the system transmits the second suboperation to a user system associated with the aggregated virtual container. If the second suboperation is executed successfully, the system generates a first message indicating that the operation has been executed and transmits the first message via the first communication network to the external system.

Abstract: Systems and methods for executing sequential suboperations at an aggregated virtual container provider system. In some aspects, based on an operation related to an aggregated virtual container, the system generates sequential suboperations including a first suboperation associated with a provider of the aggregated virtual container and an external system and a second suboperation associated with a user of the aggregated virtual container and the provider of the aggregated virtual container. If the first suboperation is executed successfully, the system selects a token from a plurality of tokens connected to the aggregated virtual container and transmits, to a user system associated with the selected token. If the second suboperation is executed successfully, the system generates a first message that the operation has been executed and transmits the first message to the external system.

Abstract: A computing system may obtain text corresponding to a conversation between an outside caller and an agent. The computing system may obtain data associated with the conversation that may be used to determine whether the outside caller is attempting malicious activity or not. The obtained text and data may be provided to a machine learning model to generate a probability score indicative of whether the outside caller is attempting to obtain unauthorized access or attempting other malicious activity. Based on determining that the probability score satisfies a threshold, the computing system may modify a permission (e.g., an API permission) of the agent. The computing system may deny the request to perform the action and may cause display of an indication that the request was successful.

Abstract: In a method for provisioning account information of a payment card, user datum encryption information is transmitted to a transaction data processing system. A user datum encrypted using the user datum encryption information and a request to share account provisioning information is received from the transaction data processing system when the payment card is present by a user at the transaction data processing system. A user account associated with the payment card is determined and the user of the payment card is authenticated. A request for confirmation that the account provisioning information should be shared is sent to a user device associated with the user account and a confirmation response is received from the user device that includes permission to share account provisioning information. Account provisioning information is then transmitted to the transaction data processing system.

Abstract: In a method for provisioning account information of a payment card, user datum encryption information is transmitted to a transaction data processing system. A user datum encrypted using the user datum encryption information and a request to share account provisioning information is received from the transaction data processing system when the payment card is present by a user at the transaction data processing system. A user account associated with the payment card is determined and the user of the payment card is authenticated. A request for confirmation that the account provisioning information should be shared is sent to a user device associated with the user account and a confirmation response is received from the user device that includes permission to share account provisioning information. Account provisioning information is then transmitted to the transaction data processing system.

Abstract: In a method for providing provisioning information, a central data processing system receives from a transaction data processing system, an encrypted user datum associated with a client user of the transaction data processing system; receives from at least one of a plurality of account administrator data processing systems, a response comprising a notification that a user account administrated by that account administrator data processing system is associated with the client user; receives an account administrator selection message including identification of a user-selected account administrator from an account administrator list; transmits to the account administrator data processing system associated with the user-selected account administrator, a provisioning request for client user account provisioning information; receives from the account administrator data processing system associated with the user-selected account administrator, the client user account provisioning information; and transmits to the t

Abstract: In a method for broadcasting account provisioning information, user datum encryption information is transmitted to a plurality of account processing systems. A request to share account provisioning information is received from a user device associated with an account holder. A user datum of the account holder is encrypted using the encryption information and transmitted to the account processing systems. A response is received from at least one of the account processing systems, the response including an indication that the account holder has a transaction account processed by that account processing system. A request for confirmation that the account provisioning information should be shared is sent to the user device and a confirmation response is received from the user device that includes permission to share account provisioning information. Account provisioning information is then transmitted to one or more of the account processing systems.

Abstract: In a method for provisioning account information of a payment card, user datum encryption information is transmitted to a transaction data processing system. A user datum encrypted using the user datum encryption information and a request to share account provisioning information is received from the transaction data processing system when the payment card is present by a user at the transaction data processing system. A user account associated with the payment card is determined and the user of the payment card is authenticated. A request for confirmation that the account provisioning information should be shared is sent to a user device associated with the user account and a confirmation response is received from the user device that includes permission to share account provisioning information. Account provisioning information is then transmitted to the transaction data processing system.

Abstract: Systems and methods are disclosed herein for real-time digital authentication. According to some embodiments, receiving a hashed user credential from the third party entity, performing a matching operation between the received hashed user credential and a stored hashed credential stored in the non-transitory memory, the received hashed user credential and the stored hashed credential being hashed using the same hashing algorithm, and in response to detecting a match between the received hashed user credential and the stored hashed user credential, performing a user eligibility operation associated with the first transaction.

Abstract: In a method for providing provisioning information, a central data processing system receives from a transaction data processing system, an encrypted user datum associated with a client user of the transaction data processing system; receives from at least one of a plurality of account administrator data processing systems, a response comprising a notification that a user account administrated by that account administrator data processing system is associated with the client user; receives an account administrator selection message including identification of a user-selected account administrator from an account administrator list; transmits to the account administrator data processing system associated with the user-selected account administrator, a provisioning request for client user account provisioning information; receives from the account administrator data processing system associated with the user-selected account administrator, the client user account provisioning information; and transmits to the t

Abstract: In a method for broadcasting account provisioning information, user datum encryption information is transmitted to a plurality of account processing systems. A request to share account provisioning information is received from a user device associated with an account holder. A user datum of the account holder is encrypted using the encryption information and transmitted to the account processing systems. A response is received from at least one of the account processing systems, the response including an indication that the account holder has a transaction account processed by that account processing system. A request for confirmation that the account provisioning information should be shared is sent to the user device and a confirmation response is received from the user device that includes permission to share account provisioning information. Account provisioning information is then transmitted to one or more of the account processing systems.