Systems utilizing secure offline limited-use tokens for temporary electronic activity authentication and methods of use thereof

A method comprising:

• receiving, by at least one hardware processor, a transaction record comprising transaction details associated with a transaction activity in a user account of a user;
• wherein the transaction details comprise an activity reference number;
• wherein the user account is associated with a computing device, configured to facilitate executing transactions with at least one point-of-sale device;
• determining, by the at least one hardware processor, scheduled transaction-related activity data associated with the activity reference number, the scheduled transaction-related activity data comprising:
• i) a transaction-related activity start time indicator associated with a transaction-related activity start time,
• ii) a transaction-related activity end time indicator associated a transaction-related activity end time, and
• iii) an entity identifier identifying an entity associated with the activity reference number;
• wherein the transaction-related activity is indicative of at least one potential subsequent offline transaction between the user account and the entity;
• automatically generating, by the at least one hardware processor, in response to the transaction-related activity data, a temporary, entity-specific, offline limited-use token associated with the user account for the at least one potential subsequent offline transaction associated with the scheduled transaction-related activity;
• wherein the temporary, entity-specific, offline limited-use token comprises at least one account access restriction that restricts the use of the temporary, entity-specific, offline limited-use token to the scheduled transaction-related activity;
• wherein the account access restrictions comprise:
• a temporary, entity-specific, offline limited-use token activation period associated with the temporary, entity-specific, offline limited-use token being active during the scheduled transaction-related activity based on the transaction-related activity data;
• and
• automatically causing, by the at least one hardware processor, to download the temporary, entity-specific, offline limited-use token to the computing device;
• wherein the computing device is configured to communicate the temporary, entity-specific, offline limited-use token to the at least one point-of-sale device of that executes at least one subsequent offline transaction request while the computing device is offline during the temporary offline token activation period and restricted to the entity.

A system comprising:

• at least one processor in communication with a user account, wherein the at least one processor is configured to implement software instructions causing the at least one processor to perform steps to:
• receive a transaction record comprising transaction details associated with a transaction in a user account of a user;
• wherein the transaction details comprise an entity identifier associated with an entity;
• wherein the user account is associated with a computing device, configured to facilitate executing transactions with at least one point-of-sale device;
• determine scheduled transaction-related activity between the user and the entity based at least in part on the entity identifier of the transaction details of the transaction record;
• wherein the scheduled transaction-related activity is indicative of at least one potential subsequent offline transaction between the user account and the entity;
• determine transaction-related activity data associated with the scheduled transaction-related activity utilizing a data enrichment engine, the transaction-related activity data comprising a transaction-related activity start time;
• automatically generate, in response to the transaction-related activity data, a temporary, entity-specific, offline limited-use token associated with the user account for the at least one potential subsequent offline transaction associated with the scheduled transaction-related activity;
• wherein the temporary, entity-specific, offline limited-use token comprises at least one account access restriction that restricts the use of the temporary, entity-specific, offline limited-use token to the scheduled transaction-related activity:
• wherein the at least one account access restriction identifies:
• a temporary, entity-specific, offline token activation period, identifying an active offline time period of the temporary, entity-specific, offline limited-use token based on the transaction-related activity start time, and
• a token entity binding, identifying the entity to which the temporary, entity-specific, offline limited-use token being bound to during the token activation period;
• and
• automatically cause to download the temporary, entity-specific, offline limited-use token to the computing device;
• wherein the computing device is configured to communicate the temporary, entity-specific, offline limited-use token to the at least one point-of-sale device that executes at least one subsequent offline transaction request while the computing device is offline during the temporary offline token activation period and restricted to the entity.