Systems, methods and computer-program products for eligibility verification

A system for determining eligibility for accessing an on-demand product, the system comprising:

• a first third party database;
• a second third party database;
• a requestor device associated with a first user;
• a network interface;
• and
• at least one processor, wherein the at least one processor is operable to perform a method comprising:
• receiving, from the first third party database, first user data for a first plurality of users, wherein the first user data comprises a first set of one or more data fields of identifying information for each user of the first plurality of users;
• determining, via a first hardware processor device, a first format for generating a first eligibility token that includes:
• a first selection format for identifying a first selection of a first plurality of segments of identifying information based at least in part on the first set of one or more data fields available in the received first user data;
• and
• a first concatenation format for concatenating the first plurality of segments of identifying information into a first string of values;
• generating, via the first hardware processor device, one or more first eligibility tokens for each of the first plurality of users based at least in part on the first format;
• storing the generated one or more first eligibility tokens as key values in an eligibility token repository;
• receiving, from the second third party database, second user data for a second plurality of users, wherein the second user data comprises a second set of one or more data fields of identifying information for each user of the second plurality of users, wherein the second set of one or more data fields includes at least one unique data field that is not included in first set of one or more data fields;
• determining, via a second hardware processor device, and storing a second format for generating a second eligibility token that includes:
• a second selection format for identifying a second selection of a second plurality of segments of identifying information based at least in part on the second set of one or more data fields available in the received second user data and including the at least one unique data field;
• and
• a second concatenation format for concatenating the second plurality of segments of identifying information into a second string of values;
• generating, via the second hardware processor device, one or more second eligibility tokens for each of the second plurality of users based at least in part on the second format;
• storing the generated one or more second eligibility tokens as key values in the eligibility token repository;
• receiving, from the requestor device via a network interface, an electronic request for an on-demand product which comprises an electronic identifier for a product to be delivered electronically in real-time to the requestor device, wherein the requestor device is associated with a first user;
• prompting the requestor device to provide encrypted data packets comprising personal information associated with the first user;
• receiving, from the requestor device via a network interface, the encrypted data packets comprising personal information associated with the first user;
• determine whether to apply the first format or the second format based at least in part on the electronic request for the on-demand product;
• generating, via a third hardware processor device, a user eligibility token based at least in part on the encrypted data packets comprising personal information associated with the first user and one of the first format or the second format, wherein the user eligibility token is associated with a key in a key-value pair for the first user and is mapped to at least a portion of the encrypted data packets comprising personal information associated with the first user;
• performing lookup of the user eligibility token in the eligibility token repository to find a matching token;
• and
• determining the first user's eligibility for accessing the on-demand product based at least in part on there being a matching eligibility token in the eligibility token repository for the user eligibility token.

A computer-program product comprising a non-transitory computer-usable medium having computer-readable program code embodied therein, the computer-readable program code adapted to be executed to implement a method comprising:

• receiving, from a first third party database, first user data for a first plurality of users, wherein the first user data comprises a first set of one or more data fields of identifying information for each user of the first plurality of users;
• determining, via a first hardware processor device, a first format for generating a first eligibility token that includes:
• a first selection format for identifying a first selection of a first plurality of segments of identifying information based at least in part on the first set of one or more data fields available in the received first user data;
• and
• a first concatenation format for concatenating the first plurality of segments of identifying information into a first string of values;
• generating, via the first hardware processor device, one or more first eligibility tokens for each of the first plurality of users based at least in part on the first format;
• storing the generated one or more first eligibility tokens as key values in an eligibility token repository;
• receiving, from a second third party database, second user data for a second plurality of users, wherein the second user data comprises a second set of one or more data fields of identifying information for each user of the second plurality of users wherein the second set of one or more data fields includes at least one unique data field that is not included in first set of one or more data fields;
• determining, via a second hardware processor device, and storing a second format for generating a second eligibility token that includes:
• a second selection format for identifying a second selection of a second plurality of segments of identifying information based at least in part on the second set of one or more data fields available in the received second user data and including the at least one unique data field;
• and
• a second concatenation format for concatenating the second plurality of segments of identifying information into a second string of values;
• generating, via the second hardware processor device, one or more second eligibility tokens for each of the second plurality of users based at least in part on the second format;
• storing the generated one or more second eligibility tokens as key values in the eligibility token repository;
• receiving, from a requestor device via a network interface, an electronic request for an on-demand product which comprises an electronic identifier for a product to be delivered electronically in real-time to the requestor device, wherein the requestor device is associated with a first user;
• prompting the requestor device to provide encrypted data packets comprising personal information associated with the first user;
• receiving, from the requestor device via a network interface, the encrypted data packets comprising personal information associated with the first user;
• determine whether to apply the first format or the second format based at least in part on the electronic request for the on-demand product;
• generating, via a third hardware processor device, a user eligibility token based at least in part on the encrypted data packets comprising personal information associated with the first user and one of the first format or the second format, wherein the user eligibility token is associated with a key in a key-value pair for the first user and is mapped to at least a portion of the encrypted data packets comprising personal information associated with the first user;
• performing lookup of the user eligibility token in the eligibility token repository to find a matching token;
• and
• determining the first user's eligibility for accessing the on-demand product based at least in part on there being a matching eligibility token in the eligibility token repository for the user eligibility token.