Systems and methods for authenticating end users of a web service

A computing system, comprising:

• a processor;
• a communications module coupled to the processor;
• and
• a memory coupled to the processor, the memory storing instructions that, when executed, configure the processor to:
• receive an authentication request to authenticate a first entity with a first service;
• in response to receiving the authentication request:
• identify an access-restricted first data record associated with the first entity;
• generate a message associated with a first transfer of resources between the first data record and a designated second data record, the message identifying one of the first and second data records as a recipient data record for the first transfer and defining a first quantity of resources to transfer;
• and
• transmit the message to a first server associated with the first entity, the first server requiring user authentication to access the message;
• determine a completion status of the first transfer;
• and
• generate a response to the authentication request based on the completion status of the first transfer.