System and method for facilitating programmatic verification of transactions

1. A computer system comprising:

one or more computer-readable storage devices configured to store a plurality of computer executable instructions; and

one or more hardware computer processors in communication with the one or more computer-readable storage devices and configured to execute the plurality of computer executable instructions in order to cause the computer system to:

receive, from a first computing device, a request for data associated with a user, the request including authentication credentials associated with the user;

identify an institution associated with the request;

instantiate a simulated instance of a software application associated with the institution, wherein the simulated instance of the software application is configured to interface, via an application programming interface (“API”), with a second computing device that is associated with the institution;

request, by the simulated instance of the software application and via the API, at least one of: account data, transaction data, or an electronic document associated with the user, from the second computing device;

receive the at least one of the account data, the transaction data, or the electronic document from the second computing device; and

analyze the received at least one of the account data, the transaction data, or the electronic document to determine an item of account information.

2. The computer system of claim 1 , wherein the item of account information comprises at least one of: a sufficient funds status, or an available funds amount.

3. The computer system of claim 1 , wherein the item of account information comprises a fraud pattern.

4. The computer system of claim 3 , wherein the fraud pattern comprises at least one of: an account age, a transaction history, a range of types of transactions, or a range of values of transactions.

5. The computer system of claim 1 , wherein the one or more hardware computer processors are configured to execute the plurality of computer executable instructions in order to further cause the computer system to:

trigger, based at least in part on the item of account information, at least one of: a notification, a programmatic event, a callback event.

6. The computer system of claim 5 , wherein the item of account information includes at least one of: a transaction amount, an available funds amount, a frequency of transactions, or an entity involved in a transaction.

7. The computer system of claim 6 , wherein trigger is initiated in response to the item of account information satisfying a condition or threshold.

8. The computer system of claim 1 , wherein the one or more hardware computer processors are configured to execute the plurality of computer executable instructions in order to further cause the computer system to:

authenticate the simulated instance of the software application with the second computing device based on at least one of: an identifier code, an authentication token, or a Media Access Control (MAC) address.

9. The computer system of claim 8 , wherein the simulated instance of the software application is configured to appear, from the perspective of the second computing device, to be the software application executing on a physical computing device of the user.

10. The computer system of claim 8 , wherein:

the authentication credentials associated with the user include at least a username associated with the user, and a password associated with the user; and

requesting the at least one of the account data, the transaction data, or the electronic document further includes providing, to the second computing device, the username associated with the user and the password associated with the user.

11. The computer system of claim 1 , wherein analyzing the electronic document comprises at least one of:

electronically scraping data from the electronic document including the item of account information,

executing an extraction script on the electronic document, or

performing an optical character recognition process on the electronic document.

12. The computer system of claim 1 , wherein the one or more hardware computer processors are configured to execute the plurality of computer executable instructions in order to further cause the computer system to, at least one of:

initiate, by the simulated instance of the software application and via the API, a transaction to or from an account indicated by the item of account information; or

initiate, via the API or another API, a transaction to or from an account indicated by the item of account information.

13. The computer system of claim 12 , wherein the one or more hardware computer processors are configured to execute the plurality of computer executable instructions in order to further cause the computer system to:

determine, via the API or the another API, a status of the transaction; and

provide, to another computing device, the status of the transaction.

14. The computer system of claim 13 , wherein providing the status of the transaction comprises causing electronically initiating communication via at least one of: email, text message, platform message, phone call, HTTP message, or programmatic event.

15. The computer system of claim 14 , wherein providing the status of the transaction comprises providing a notification indicating at least one of: a transaction value exceeding a threshold, or a transaction value being less than a threshold.

16. The computer system of claim 1 , wherein the one or more hardware computer processors are configured to execute the plurality of computer executable instructions in order to further cause the computer system to:

receive a request to initiate a transaction using the account information;

determine a parameter value of an account indicated by the account information;

determine whether the parameter value satisfies a condition of the request; and

in response to the parameter value not satisfying the condition, provide a notification.

17. The computer system of claim 16 , wherein the parameter value indicates at least one of: a transaction availability of the account, an age of the account, a range of transactions of the account, or a likelihood of fraud associated with the account.

18. The computer system of claim 1 , wherein the one or more hardware computer processors are configured to execute the plurality of computer executable instructions in order to further cause the computer system to:

receive a request to execute a transaction, wherein the transaction indicates an other account; and

in response to receiving the request:

initiate, by the simulated instance of the software application and via the API, a first transaction from an account indicated by the account information to a first proxy account; and

initiate, via the API or another API, a second transaction from a second proxy account to the other account.

19. The computer system of claim 1 , wherein the one or more hardware computer processors are configured to execute the plurality of computer executable instructions in order to further cause the computer system to:

receive a request to execute a transaction, wherein the transaction indicates an other account; and

in response to receiving the request:

initiate, by the simulated instance of the software application and via the API, a first transaction to an account indicated by the account information from a first proxy account; and

initiate, via the API or another API, a second transaction to a second proxy account from the other account.

20. The computer system of claim 1 , wherein the one or more hardware computer processors are configured to execute the plurality of computer executable instructions in order to further cause the computer system to:

provide, to another computing device, the item of account information.