Controlling access to resource systems based on user profile modifications

A computer-implemented method comprising:

• receiving an enrollment request from a user device, the enrollment request being a request to enroll a first user account in a resource system;
• in response to receiving the enrollment request, requesting a mobile communication from a first piece of contact data of a user profile associated with the first user account;
• upon receiving the mobile communication, verifying a user of the first user account and automatically enrolling the first user account in the resource system, wherein enrolling the first user account in the resource system provides access for the first user account to the resource system;
• subsequent to enrolling the first user account in the resource system, monitoring the user profile to detect a modification to the first piece of contact data in the user profile;
• and
• upon detecting the modification to the first piece of contact data, preventing the access for the first user account to the resource system for a period of time,
• wherein the preventing the access for the first user account to the resource system for the period of time comprises:
• receiving a resource request, the resource request being a request for a transfer of data from the first user account to a second user account via the resource system;
• determining, based on historical data associated with the first user account, that there has not been a previous transfer of data between the first user account and the second user account;
• and
• in response to determining that there has not been a previous transfer of data between the first user account and the second user account:
• determining a first time associated with the modification to the first piece of contact data and a second time associated with the resource request;
• comparing a difference between the first time and the second time to the period of time;
• and
• in response to the difference between the first time and the second time being less than the period of time, preventing access for the first user account to the resource system, generating an alert comprising an indication of the modification to the first piece of contact data, and transmitting the alert to the user device, wherein the alert is transmitted using a second piece of contact data that was in the user profile before the modification to the first piece of contact data.

A non-transitory computer-readable medium comprising instructions that are executable by a processing device for causing the processing device to perform operations comprising:

• receiving an enrollment request from a user device, the enrollment request being a request to enroll a first user account in a resource system;
• in response to receiving the enrollment request, requesting a mobile communication from a first piece of contact data of a user profile associated with the first user account;
• upon receiving the mobile communication, verifying a user of the first user account and automatically enrolling the first user account in the resource system, wherein enrolling the first user account in the resource system provides access for the first user account to the resource system;
• subsequent to enrolling the first user account in the resource system, monitoring the user profile to detect a modification to the first piece of contact data in the user profile;
• and
• upon detecting the modification to the first piece of contact data, preventing the access for the first user account to the resource system for a period of time,
• wherein the preventing the access for the first user account to the resource system for the period of time comprises:
• receiving a resource request, the resource request being a request for a transfer of data from the first user account to a second user account via the resource system;
• determining, based on historical data associated with the first user account, that there has not been a previous transfer of data between the first user account and the second user account;
• and
• in response to determining that there has not been a previous transfer of data between the first user account and the second user account:
• determining a first time associated with the modification to the first piece of contact data and a second time associated with the resource request;
• comparing a difference between the first time and the second time to the period of time;
• and
• in response to the difference between the first time and the second time being less than the period of time, preventing access for the first user account to the resource system, generating an alert comprising an indication of the modification to the first piece of contact data, and transmitting the alert to the user device, wherein the alert is transmitted using a second piece of contact data that was in the user profile before the modification to the first piece of contact data.