Systems and methods for continuous availability of account information

A method comprising:

• storing, by one or more processors, a cookie associated with a user device of a user;
• receiving, by the one or more processors, a prefetch request based on the cookie associated with the user device of the user for account information in advance of a user request for the account information, the account information relating to an account of the user;
• identifying, by the one or more processors, the user based on the stored cookie associated with the user device of the user;
• verifying, by the one or more processors, an identity of the user based on a received credential regarding the user;
• performing, by the one or more processors, asynchronous data gathering by receiving data intermittently over one or more network nodes to retrieve the account information based on the prefetch request and the verification of the identity of the user;
• and
• providing, by the one or more processors, account information to an active cache of the user device that proactively updates stored account information, wherein the account information is stored in the active cache of the user device for later retrieval.

One or more non-transitory computer-readable media having instructions stored thereon that, when executed by at least one processing circuit of a computing system, cause the at least one processing circuit to perform operations comprising:

• storing a cookie associated with a user device of a user;
• receiving a prefetch request based on the cookie associated with the user device of the user for account information in advance of a user request for the account information, the account information relating to an account of the user;
• identifying the user based on the stored cookie associated with the user device of the user;
• verifying an identity of the user based on a received credential regarding the user;
• performing asynchronous data gathering by receiving data intermittently over one or more network nodes to retrieve the account information based on the prefetch request and the verification of the identity of the user;
• and
• providing account information to an active cache of the user device that proactively updates stored account information, wherein the account information is stored in the active cache of the user device for later retrieval.