Abstract: Systems and methods are provided for leveraging different data repositories. One example computer-implemented method includes receiving a transfer request for a transfer from a sender in a first region to a recipient in a second region and determining whether the transfer request satisfies a regulation associated with the first and/or second region for information related to the recipient and/or sender. The method also includes submitting an identity request for the recipient and/or sender to an identity network, in response to the transfer request failing to satisfy the regulation, and receiving information regarding the recipient and/or sender, in response to the identity request, from the identity network, where the information includes identifying information for the recipient and/or sender. The method then includes compiling and submitting a transfer request for the transfer to an associated network, whereby the transfer request is submitted to be completed.

Abstract: An authentication platform for authenticating an online user in a transaction without use of strong consumer authentication (SCA) includes receiving an authentication request message for a transaction involving a regulated market includes authentication data and a transaction value, extracting the authentication data from the authentication request message, generating risk-based authentication (RBA) result data, determining that a risk of fraud in the transaction satisfies a risk threshold established by the regulatory entity by evaluating the risk score relative to the risk threshold, determining that the transaction value is below a transaction limit set by the regulatory entity, the transaction limit identifies a threshold transaction value below which strong consumer authentication may be avoided for transactions satisfying the risk threshold, and transmitting an authentication response message authenticating the transaction without strong consumer authentication having been performed based on satisfying