An electronic cash deposit system includes a processor that receives a user-generated request for a deposit of cash into an account, receive data generated from a scan of a machine-readable image on a receptacle that receives the cash, perform a validation of the deposit of the cash based on a correlation between the data generated from the scan and a transaction key, generate confirmation of the deposit of the cash when the validation is confirmed, and send a notification to a banking system to update the account to reflect the deposit of the cash in response to the confirmation being generated.

A financial institution computing system includes a network circuit exchanging information over a network, a customer database storing financial information, and a transaction circuit. The transaction circuit receives a transaction request associated with a user computing device. The transaction request specifies a financial account. The transaction circuit receives payment card location information indicative of a location of a payment card with respect to the user computing device. The payment card location information indicates that the payment card is within a threshold distance of the user computing device. The transaction circuit authenticates the transaction request using the payment card location information and by determining whether the payment card is associated with an authorized user of the financial account. The transaction circuit authorizes the transaction request based on whether the transaction request is authenticated and transmits a confirmation to a transaction terminal over the network via the network circuit.

A method performed by an issuer computing system includes receiving identification information for a customer from a retailer computing system. The customer is pre-approved for a payment account based on the identification information. A request to open the pre-approved payment account is received. Account registration information for opening the payment account and a mobile device identifier associated with the customer is received. The customer is approved for opening the payment account based on the account registration information. The payment account is established for the customer. Establishing the payment account includes generating a payment token for the payment account. In response to establishing the payment account, the payment token is automatically provisioned to a mobile wallet associated with the mobile device based on the mobile device identifier.

Disclosed herein is a user identity sharing system utilizing a distributed ledger technology security platform. The present invention includes an OFF-CHAIN configured to operate as a regional or national blockchain within a single jurisdiction, in which one or more virtual asset service providers and one or more identity management service providers are participating; and an ON-CHAIN configured to operate as a global blockchain with no borders, in which one or more virtual asset service providers are participating, wherein user identity information of the OFF-CHAIN are shared as de-identified identity information between a virtual asset service provider participating in both the OFF-CHAIN and the ON-CHAIN and another virtual asset service provider participating in the ON-CHAIN, thus preventing forgery of user identity information, and sharing user identity information between virtual asset service providers, other blockchains, distributed ledger technology platforms, and existing IT systems.

A user device may detect an age associated with a first user account meets or exceeds an age threshold. If so, the user device may present a conversion option to enable conversion of a restricted mobile payment account to a new primary mobile payment account. The user device may then communicate with a payment service to verify an identity of a user of the user device. The user device may then receive a communication indicating successful creation of the new primary mobile payment account.

Methods, systems, and apparatuses are described herein for improving computer authentication processes by generating authentication questions based on tipping trends. A computing device may receive a request for access to an account. Transactions data conducted by a user may be received. A tipping trend may be determined based on the one or more transactions conducted by the user. Based on the tipping trend, an authentication question may be generated. The authentication question may be provided, and a response to the authentication question may be received. A user device may be provided access to the account based on the response to the authentication question.

An automated payment delivery system is provided that combines electronic investigative data methods with fintech payment systems to deliver payments to payees. The system can be configured to receive payee account information, optionally enrich the payee account information through data discovered in public and private databases, automatically generate communications to each payee, verify the identity of the payee, send communications to the payee through a partner system, and initiate electronic payment to the payee.

An automated payment delivery system is provided that combines electronic investigative data methods with fintech payment systems to deliver payments to payees. The system can be configured to receive payee account information, optionally enrich the payee account information through data discovered in public and private databases, automatically generate unique communications to each payee, verify the identity of the payee, and initiate electronic payment of the payment to the payee.

An automated asset delivery system is provided that combines electronic investigative data methods with fintech payment systems to return assets to rightful asset owners. The system may be executed by dormant account holders prior to assets associated with the dormant accounts being escheated. The system can be configured to receive dormant account information, enrich the dormant account information through data discovered in public and private databases, automatically generate unique communications to each asset owner, verify the identity of the asset owner, and initiate electronic payment of the asset to the asset owner.

Embodiments of the invention are directed to a system, method, or computer program product for a vehicle not present distribution communications tiered authenticator. This invention creates an instant authentication notification process to notify a user when a resource distribution is occurring in a vehicle not present resource distribution event. A user threshold matrix is generated a pre-determined threshold for threshold datapoints associated with a vehicle not present resource distribution event. The invention identifies a vehicle not present resource distribution event and confirms if the even triggers the user threshold matrix. If so, an authentication communication is transmitted to the user for real-time vehicle not present resource distribution approval prior to allowance of rail processing.