Automatic transaction-based verification of account ownership

A processing apparatus, comprising:

• a processor;
• and
• a memory storing instructions that, when executed by the processor, cause the processing apparatus to:
• receive, via a network, a request to access a feature of a first account of a user;
• obtain, from a data repository in communication with the processing apparatus, one or more transactions of the first account of the user;
• obtain, from the data repository, one or more transactions of a second account of the user;
• automatically match at least one of the one or more transactions of the first account of the user to at least one of the one or more transactions from the second account of the user, wherein both the at least one of the one or more transactions of the second account of the user and the at least one of the one or more transactions from the second account of the user correspond to at least one transaction issuing from the second account of the user to the first account of the user;
• generate a first verification of ownership by the user of the first account of the user based on the automatically matching the at least one of the one or more transactions of the first account of the user to the at least one of the one or more transactions from the second account of the user;
• and
• enable the user to access the feature of the first account of the user based on the first verification of ownership.

A non-transitory computer-readable storage medium storing instructions that when executed by a processor of a computing system cause the computing system to perform a method for verifying user access to accounts, the method comprising:

• receiving, at a processing apparatus via a network, a request to access a feature of a first account of a user;
• obtaining, by the processing apparatus from a data repository in communication with the processing apparatus, one or more transactions of the first account of the user;
• obtaining, by the processing apparatus from the data repository, one or more transactions of a second account of the user;
• automatically matching, by the processing apparatus, at least one of the one or more transactions of the first account of the user to at least one of the one or more transactions from the second account of the user, wherein both the at least one of the one or more transactions of the first account of the user and the at least one of the one or more transactions from the second account of the user correspond to at least one transaction issuing from the second account of the user to the first account of the user;
• generating, by the processing apparatus, a first verification of ownership by the user of the first account of the user based on the automatically matching the at least one of the one or more transactions of the first account of the user to the at least one of the one or more transactions from the second account of the user;
• and
• enabling, by the processing apparatus, the user to access the feature of the first account of the user based on the first verification of ownership.