Token management layer for automating authentication during communication channel interactions

A method comprising:

• detecting, by a first service provider, an authentication of first user information for a user in a first channel of the first service provider based on the user providing the first user information in the first channel;
• issuing, by the first service provider, a token to the user, wherein the token contains at least the first user information;
• receiving second user information for the user, wherein the second user information comprises preferred authentication information provided by the user that enables an authentication of the user during an authentication request with a second service provider;
• storing, by the first service provider, the token with the first user information and the second user information by a token management system accessible by the first service provider;
• detecting an authentication request for the first user information from the second service provider;
• determining that the second user information is the preferred authentication information for the authentication request;
• prompting the user for the second user information via a second channel of the first service provider that is different from the first channel;
• receiving the second user information from the user via the second channel;
• and
• processing the authentication request with the second service provider using the token, wherein the processing the authentication request further comprises translating the first user information in the token into a processing language or a data structure type that is compatible with the second channel.

A non-transitory machine-readable medium having stored thereon machine-readable instructions executable to cause a machine to perform operations comprising:

• receiving first user information for a user during a first communication through a first communication channel of a service provider;
• determining second user information for the user that enables an authentication of the user, wherein the second user information comprises preferred user information for the user for the authentication of the user;
• generating a token associated with at least the first user information and the second user information using a token management service accessible by the service provider;
• storing the token for the user by the token management service;
• detecting a second communication by the user through a second communication channel of the service provider that is a different type of communication channel than the first communication channel;
• determining that the second user information is the preferred user information for the authentication of the user in the second communication channel;
• prompting the user for the second user information;
• receiving the second user information from the user;
• and
• providing the token to the second communication channel for the authentication of the user at least in part by translating the first user information or the second user information into a processing language or a data structure type that is compatible with the second communication channel.