Multi-level authentication system with persistent integration platform
Embodiments of the present invention provide a persistent integration platform for conducting a multichannel resource transfer. In particular, the system may utilize a multi-step and multilayered authentication process across multiple disparate computing systems to complete the resource transfer process. In some embodiments, the system may utilize a persistent element which may be accessed by the user across multiple devices which aids in the resource transfer. The system may further require the user to authenticate with multiple methods across the multiple devices, which increases the security of the resource transfer process.
1. A system for a persistent integration platform for multi-channel resource transfers, the system comprising:
a communication interface;
a processor; and
a memory having executable code stored thereon, wherein the executable code, when executed by the processor, causes the processor to:
detect that a user has accessed an entity computing system;
authenticate the user via the entity computing system using a first authentication method;
retrieve, from a resource transfer server, data associated with the user;
based on the data associated with the user, prompt the user to initiate a resource transfer process;
detect that the user wishes to suspend the resource transfer process on the entity computing system;
generate a data record of the resource transfer process within a persistent element of the resource transfer server, wherein the persistent element is accessible by the entity computing system and a user computing system, wherein the data record indicates steps of the resource transfer process already completed by the user and steps remaining in the resource transfer process;
detect that the user wishes to resume the resource transfer process via the user computing system;
authenticate the user via the user computing system using a second authentication method; and
resume, on the user computing system, the resource transfer process based on the steps remaining in the resource transfer process.
2. The system of claim 1 , wherein the first authentication method is different from the second authentication method.
3. The system of claim 1 , wherein the executable code further causes the processor to:
detect that the resource transfer process requires additional authentication credentials; and
authenticate the user using a third authentication method.
4. The system of claim 3 , wherein the third authentication method is different from the first authentication method and the second authentication method.
5. The system of claim 1 , wherein the first authentication method comprises verification using a PIN, wherein the second authentication method comprises verification using a username and password.
6. The system of claim 3 , wherein the third authentication method comprises verification using biometric data.
7. The system of claim 1 , wherein the executable code further causes the processor to prefill customer information for the resource transfer process.
8. A computer program product for multi-channel authentication with a persistent integration platform, the computer program product comprising at least one non-transitory computer readable medium having computer-readable program code portions embodied therein, the computer-readable program code portions comprising:
an executable portion for detecting that a user has accessed an entity computing system;
an executable portion for authenticating the user via the entity computing system using a first authentication method;
an executable portion for retrieving, from a resource transfer server, data associated with the user;
an executable portion for, based on the data associated with the user, prompting the user to initiate a resource transfer process;
an executable portion for detecting that the user wishes to suspend the resource transfer process on the entity computing system;
an executable portion for generating a data record of the resource transfer process within a persistent element of the resource transfer server, wherein the persistent element is accessible by the entity computing system and a user computing system, wherein the data record indicates steps of the resource transfer process already completed by the user and steps remaining in the resource transfer process;
an executable portion for detecting that the user wishes to resume the resource transfer process via the user computing system;
an executable portion for authenticating the user via the user computing system using a second authentication method; and
an executable portion for resuming, on the user computing system, the resource transfer process based on the steps remaining in the resource transfer process.
9. The computer program product of claim 8 , wherein the first authentication method is different from the second authentication method.
10. The computer program product of claim 8 , the computer-readable program code portions further comprising:
an executable portion for detecting that the resource transfer process requires additional authentication credentials; and
an executable portion for authenticating the user using a third authentication method.
11. The computer program product of claim 10 , wherein the third authentication method is different from the first authentication method and the second authentication method.
12. The computer program product of claim 8 , wherein the first authentication method comprises verification using a PIN, wherein the second authentication method comprises verification using a username and password.
13. The computer program product of claim 10 , wherein the third authentication method comprises verification using biometric data.
14. A computer-implemented method for multi-channel authentication with a persistent integration platform, the method comprising:
detecting that a user has accessed an entity computing system;
authenticating the user via the entity computing system using a first authentication method;
retrieving, from a resource transfer server, data associated with the user;
based on the data associated with the user, prompting the user to initiate a resource transfer process;
detecting that the user wishes to suspend the resource transfer process on the entity computing system;
generating a data record of the resource transfer process within a persistent element of the resource transfer server, wherein the persistent element is accessible by the entity computing system and a user computing system, wherein the data record indicates steps of the resource transfer process already completed by the user and steps remaining in the resource transfer process;
detecting that the user wishes to resume the resource transfer process via the user computing system;
authenticating the user via the user computing system using a second authentication method; and
resuming, on the user computing system, the resource transfer process based on the steps remaining in the resource transfer process.
15. The computer-implemented method of claim 14 , wherein the first authentication method is different from the second authentication method.
16. The computer-implemented method of claim 14 , the method further comprising:
detecting that the resource transfer process requires additional authentication credentials; and
authenticating the user using a third authentication method.
17. The computer-implemented method of claim 16 , wherein the third authentication method is different from the first authentication method and the second authentication method.
18. The computer-implemented method of claim 14 , wherein the first authentication method comprises verification using a PIN, wherein the second authentication method comprises verification using a username and password.
19. The computer-implemented method of claim 16 , wherein the third authentication method comprises verification using biometric data.
20. The computer-implemented method of claim 14 , the method further comprising prefilling customer information for the resource transfer process.