Authenticating user identity based on data stored in different locations

A non-transitory computer-readable medium comprising computer-executable instructions that, when executed, cause a processor to perform operations comprising:

• receiving a request to authenticate identification data associated with a user from an electronic device;
• querying a first database for a part of the authentication data based on an identifying parameter associated with the user;
• retrieving the part of the authentication data from the first database, wherein the part of the authentication data comprises a pointer configured to identify a second database comprising an additional part of authentication data;
• retrieving the additional part of the authentication data from the second database;
• identifying an algorithm for combining two or more parts of the authentication data from the part of the authentication data, the additional part of the authentication data, or both;
• combining the part of the authentication data and the additional part of the authentication data to form a combined authentication data based on the algorithm;
• comparing the combined authentication data and the identification;
• authenticating an identity of the user based on the comparison of the combined authentication data and the identification data;
• and
• sending a notification representative of a result of the authentication to the electronic device.

A method, comprising:

• receiving, via a processor, a request from an electronic device to authenticate identification data associated with a user;
• querying, via the processor, a first server for a first portion of the authentication data based on one or more identifying parameters associated with the user;
• retrieving, via the processor, the first portion of the authentication data from the first server, wherein the first portion of the authentication data comprises a pointer configured to indicate that a second portion of authentication data exists;
• retrieving, via the processor, the second portion of the authentication data from a second server;
• identifying an algorithm for combining two or more portions of the authentication data from the first portion of the authentication data, the second portion of the authentication data, or both;
• combining, via the processor, the first portion of the authentication data and the second portion of the authentication data to form a combined authentication data based on the algorithm;
• comparing, via the processor, the combined authentication data and the identification;
• generating, via the processor, an authentication result based on the comparison of the combined authentication data and the identification data;
• and
• sending, via the processor, the authentication result to the electronic device.