Systems and methods for account validation

A computer-based system for processing a validation request, comprising:

• a client device;
• a server comprising at least one computer processor and executing a validation computer program;
• and
• a plurality of validation systems;
• wherein:
• the validation computer program receives a request to validate payment information from the client device;
• the validation computer program queries the plurality of validation systems with at least some of the payment information;
• each of the plurality of validation systems returns a query response to the validation computer program;
• the validation computer program calculates a risk score for each validation system based on a comparison between the payment information and the query response;
• the validation computer program weighing, via a machine learning model, the risk score for each validation system, wherein the machine learning model is trained to determine weighting based on a past accuracy of each validation system by:
• receiving, from the plurality of validation systems, respective risk scores for each validation system corresponding to at least one past request,
• retrieving at least one risk determination corresponding to the at least one past request,
• comparing the received risk scores to the risk determinations, and
• determining the accuracy of each validation system based on the comparison;
• the validation computer program aggregates the weighted risk scores into a cumulative risk score and converts the cumulative risk score into a binary result by applying a threshold, wherein the threshold is user-specified and stored as user settings;
• the validation computer program outputs the cumulative risk score to the client device;
• and
• the client device takes an action in response to the cumulative risk score.