Systems, methods, and computing platforms for executing credential-less network-based communication exchanges

A computing system comprising memory and one or more processors communicatively coupled to the memory, the one or more processors configured to:

• receive, using a partner interface, an exchange request for executing a value-based exchange, wherein the exchange request is indicative of a universally unique ephemeral key (UUEK) and one or more transaction attributes;
• identify an exchange identifier based at least in part on the UUEK, wherein the exchange identifier corresponds to an exchange data object that comprises an instrument identifier for a service provider instrument of a member platform;
• provide, using a service provider interface, an exchange authorization request to the member platform, wherein the exchange authorization request is indicative of the one or more transaction attributes and the instrument identifier;
• receive, using the service provider interface, an exchange authorization response that is indicative of at least one of a transaction approval or a transaction denial;
• and
• provide, using the partner interface, an exchange response based at least in part on the exchange authorization response, wherein the exchange response is indicative of the transaction approval or the transaction denial.

One or more non-transitory computer-readable storage media including instructions that, when executed by one or more processors, cause the one or more processors to:

• receive, using a partner interface, an exchange request for executing a value-based exchange, wherein the exchange request is indicative of a universally unique ephemeral key (UUEK) and one or more transaction attributes;
• identify an exchange identifier based at least in part on the UUEK, wherein the exchange identifier corresponds to an exchange data object that comprises an instrument identifier for a service provider instrument of a member platform;
• provide, using a service provider interface, an exchange authorization request to the member platform, wherein the exchange authorization request is indicative of the one or more transaction attributes and the instrument identifier;
• receive, using the service provider interface, an exchange authorization response that is indicative of at least one of a transaction approval or a transaction denial;
• and
• provide, using the partner interface, an exchange response based at least in part on the exchange authorization response, wherein the exchange response is indicative of the transaction approval or the transaction denial.