Identity verification services through external entities via application programming interface

A system, comprising:

• a financial institution computing system comprising one or more processors coupled to memory, the one or more processors configured to:
• provide, to a user device of a user, a website presenting a graphical user interface configured to receive information items to register with the financial institution computing system;
• receive a request to register with the with the financial institution computing system from the user device in response to an interaction at the website, the request comprising a first information item and a second information item associated with the user;
• update a database to include the first information item and the second information item in association with an identifier of the user;
• receive, from a third-party server, via an application programming interface (API) gateway, using a verification API provided to the third-party server, a verification API request comprising first unverified data and second unverified data, each of the first unverified data and the second unverified data provided to the third-party server from the user device, the verification API request indicating at least one rule specifying one or more scenarios for a validation decision;
• scan the database to determine that the first information item and the second information item received from the user device prior to receiving the verification API request at least partially matches the first unverified data and the second unverified data, respectively;
• retrieve verification information from an external service provider responsive to determining that the first information item and the second information item at least partially matches the first unverified data and the second unverified data, the verification information comprising an indication of at least one discrepancy relating to the first information item or the second information item;
• generate the validation decision based on (i) an amount of the first unverified data or the second unverified data that matches the first information item and the second information item received from the user device, (ii) the verification information received from the external service provider, (iii) the at least one discrepancy, and (iv) the at least one rule specifying the one or more scenarios;
• and
• transmit, to the third-party server, via the API gateway, the validation decision indicating whether information received in the verification API request has been verified.

A non-transitory computer-readable memory with processor-executable instructions embodied thereon, which, when executed by one or more processors of a financial institution computing system, cause the one or more processors to perform operations comprising:

• providing, to a user device of a user, a website presenting a graphical user interface configured to receive information items to register with the financial institution computing system;
• receiving a request to register with the with the financial institution computing system from the user device in response to an interaction at the website, the request comprising a first information item and a second information item associated with the user;
• updating a database to include the first information item and the second information item in association with an identifier of the user;
• receiving, from a third-party server, via an application programming interface (API) gateway, using a verification API provided to the third-party server, a verification API request comprising first unverified data and second unverified data, each of the first unverified data and the second unverified data provided to the third-party server from the user device, the verification API request indicating at least one rule specifying one or more scenarios for a validation decision;
• scanning the database to determine that the first information item and the second information item received from the user device prior to receiving the verification API request at least partially matches the first unverified data and the second unverified data, respectively;
• retrieving, by the financial institution computing system, verification information from an external service provider responsive to determining that the first information item and the second information item at least partially matches the first unverified data and the second unverified data, the verification information comprising an indication of at least one discrepancy relating to the first information item or the second information item;
• generating the validation decision based on (i) an amount of the first unverified data or the second unverified data that matches the first information item and the second information item received from the user device, (ii) the verification information received from the external service provider, (iii) the at least one discrepancy, and (iv) the at least one rule specifying the one or more scenarios;
• and
• transmitting, to the third-party server, via the API gateway, the validation decision indicating whether information received in the verification API request has been verified.