Abstract: Methods and systems for machine-readable code-based access in absence of a physical authentication token. In some embodiments, the system receives, from a mobile device, a text message, in which the mobile device is operating on a mobile network and associated with a user digital identifier relating to the mobile network, and the text message indicates a first request for access in absence of the physical authentication token. The system determines whether to authenticate the first request based on mobile device information relating to the mobile device. In response to authenticating the first request, the system provides a first machine-readable code associated with a user account; and receives a second request from a third party for accessing the user account. The system assesses second information based on a prediction model and first information associated with the first machine-readable code; and in response to a satisfactory assessment result, authenticates the second request.

Abstract: Methods and systems for machine-readable code-based access in absence of a physical authentication token. In some embodiments, the system receives, from a mobile device, a text message, in which the mobile device is operating on a mobile network and associated with a user digital identifier relating to the mobile network, and the text message indicates a first request for access in absence of the physical authentication token. The system determines whether to authenticate the first request based on mobile device information relating to the mobile device. In response to authenticating the first request, the system provides a first machine-readable code associated with a user account; and receives a second request from a third party for accessing the user account. The system assesses second information based on a prediction model and first information associated with the first machine-readable code; and in response to a satisfactory assessment result, authenticates the second request.

Abstract: Methods and systems for text messaging-based self-service authentication in absence of a physical authentication token. In some aspects, the system receives, from a mobile device, a first text message indicating a request for account access in absence of the physical authentication token, in which the mobile device is operating on a mobile network and associated with a user digital identifier relating to the mobile network. The system transmits, to the mobile device, a second text message including a link to a webpage for account access in absence of the physical authentication token; determines, based on mobile device information associated with the mobile device and the user digital identifier, whether to authenticate the request; and in response to authenticating the request, provides a temporary machine-readable code associated with the user account. The temporary machine-readable code may allow a third party to access the user account by scanning the temporary machine-readable code.

Abstract: Methods and systems for managing text messaging-based authentication in absence of a physical authentication token. In some embodiments, the system receives, from a mobile device, a first text message, in which the mobile device is operating on a mobile network and associated with a user digital identifier relating to the mobile network, and the first text message indicates a request for access in absence of the physical authentication token. The system performs an account search based on the user digital identifier. In response to locating a user account associated with the user digital identifier, the system performs an assessment based on mobile device information relating to the mobile network and associated with the user digital identifier; selects, from a plurality of candidate authentication protocols, an authentication protocol based on the assessment; and manages, based on the authentication protocol, the request for access in absence of the physical authentication token.