Voice-based verification for multi-factor authentication challenges

A computer-implemented method, comprising:

• initiating, by a first computer system, a multifactor authentication (MFA) process, wherein the MFA process comprises:
• sending, with an hypertext transfer protocol (HTTP) interface module maintained by the first computer system, a request to initiate the MFA process to a second computer system;
• receiving an audible recitation of a one-time password (OTP) at a first user device that has been transmitted by the second computer system to a second user device;
• parsing the audible recitation of the OTP to generate a non-audible version of the OTP;
• generating an HTTP request based at least in part on the non-audible version of the OTP;
• and
• sending the HTTP request to the second computer system;
• and
• when the second computer system authenticates a user based at least in part on the non-audible version of the OTP, receiving, with the HTTP interface module by the first computer system, confirmation of authentication of the user to initiate a transaction.

A system comprising:

• a processor;
• and
• a memory device including instructions that, when executed by the processor, cause the processor to, at least:
• receive, by a first computer system, a first request to initiate a transaction for a user, wherein the user is associated with an account maintained by a second computer system;
• initiate, by the first computer system, a multifactor authentication (MFA) process, wherein the MFA process comprises:
• sending, with an application programming interface (API) maintained by the first computer system, a second request to initiate the MFA process to the second computer system;
• receiving, by the first computer system, an audible recitation of a password at a first user device that has been transmitted by the second computer system to a second user device;
• parsing the audible recitation of the password to generate a non-audible version of the password;
• generating an HTTP request based at least in part on the non-audible version of the password;
• and
• sending the HTTP request to the second computer system;
• and
• when the second computer system authenticates the user based at least in part on the non-audible version of the password, receive, with the API by the first computer system, confirmation of authentication of the user to initiate the transaction.