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.