Systems and methods for dynamic authorization of virtual bank account transactions

One or more computer-readable non-transitory storage media embodying software that is operable when executed to:

• receive, via a receiver application program interface (API) associated with a receiver processor, from an external server associated with a payment transaction network, a transaction authorization request to authorize a transaction associated with a transfer of resources to a receiving entity from a user, wherein the transaction authorization request comprises publicly routable account credentials of a virtual bank account (VBAN) associated with the receiving entity, the user, and a stored value balance of an external resource account associated with the user, and wherein the VBAN is configured as a privacy shield for the publicly routable account credentials of the external resource account by decoupling the stored value balance of the external resource account from the publicly routable account credentials of the external resource account;
• determine, by the receiver processor, automatically in real-time in response to receiving the transaction authorization request, that one or more parameters of a transaction resource configuration of the VBAN are not satisfied based on metadata associated with the transaction authorization request, wherein the transaction resource configuration of the VBAN is automatically retrieved from a VBAN database associated with the receiver processor;
• determine, based at least in part on a machine-learning model based on historical transaction data, that one or more first parameters of the one or more parameters that are not satisfied should be notified to the user;
• transmit, via the receiver API, automatically in response to determining that one or more parameters of the transaction resource configuration of the VBAN are not satisfied, to a client device associated with the user, instructions for presenting a notification indicating a transaction authorization failure, wherein the notification comprises the one or more first parameters and an interactive prompt operable for receiving an input indicating whether the transaction authorization request should be authorized;
• and
• transmit, via the receiver API, to the external server, responsive to receiving the input from the client device associated with the user, a transaction authorization response indicating whether the transaction is authorized, wherein the transaction being authorized causes the stored value balance associated with the external resource account to be reduced based on the transfer of resources associated with the transaction.

A receiver processor comprising:

• one or more processors;
• and a non-transitory memory coupled to the processors comprising instructions executable by the processors, the processors operable when executing the instructions to:
• receive, via a receiver application program interface (API) associated with a receiver processor, from an external server associated with a payment transaction network, a transaction authorization request to authorize a transaction associated with a transfer of resources to a receiving entity from a user, wherein the transaction authorization request comprises publicly routable account credentials of a virtual bank account (VBAN) associated with the receiving entity, the user, and a stored value balance of an external resource account associated with the user, and wherein the VBAN is configured as a privacy shield for the publicly routable account credentials of the external resource account by decoupling the stored value balance of the external resource account from the publicly routable account credentials of the external resource account;
• determine, by the receiver processor, automatically in real-time in response to receiving the transaction authorization request, that one or more parameters of a transaction resource configuration of the VBAN are not satisfied based on metadata associated with the transaction authorization request, wherein the transaction resource configuration of the VBAN is automatically retrieved from a VBAN database associated with the receiver processor;
• determine, based at least in part on a machine-learning model based on historical transaction data, that one or more first parameters of the one or more parameters that are not satisfied should be notified to the user;
• transmit, via the receiver API, automatically in response to determining that one or more parameters of the transaction resource configuration of the VBAN are not satisfied, to a client device associated with the user, instructions for presenting a notification indicating a transaction authorization failure, wherein the notification comprises the one or more first parameters and an interactive prompt operable for receiving an input indicating whether the transaction authorization request should be authorized;
• and
• transmit, via the receiver API, to the external server, responsive to receiving the input from the client device associated with the user, a transaction authorization response indicating whether the transaction is authorized, wherein the transaction being authorized causes the stored value balance associated with the external resource account to be reduced based on the transfer of resources associated with the transaction.