Abstract: Provided is a computer-implemented method for verifying a user identity, including: receiving, from a user device, authentication data for a user, the authentication data including an account identifier corresponding to an account with a first issuer institution; generating, with at least one processor and based at least partially on the authentication data, a passcode; communicating the passcode to the user device or a second device associated with the user; receiving, with at least one processor, a verification request comprising the passcode; and verifying, with at least one processor, an identity of the user based on validating the passcode.

Abstract: Provided is a computer-implemented method for verifying a user identity, including: receiving, from a user device, authentication data for a user, the authentication data including an account identifier corresponding to an account with a first issuer institution; generating, with at least one processor and based at least partially on the authentication data, a passcode; communicating the passcode to the user device or a second device associated with the user; receiving, with at least one processor, a verification request comprising the passcode; and verifying, with at least one processor, an identity of the user based on validating the passcode.

Abstract: A method is disclosed. The method includes receiving, by a resource provider computer operated by a resource provider, a request from a communication device operated by a user to obtain a restricted access credential to access a resource, and then generating, by the resource provider computer, interaction history data relating to past interactions between the resource provider computer and the communication device. The method also includes transmitting, by the resource provider computer, the interaction history data relating to the past interactions, to an authorizing entity computer, the authorizing entity computer determining a restricted access credential in response to receipt of the interaction history data. The method also includes receiving, by the resource provider computer, the restricted access credential from the authorizing entity computer. The restricted access credential allows a user of the communication device to obtain the resource.