Computer-based systems configured to generate a plurality of time-based digital verification codes and methods of use thereof

A computer-implemented method comprising:

• identifying, by a processor, a plurality of an identification numbers associated with a plurality of entities;
• determining, by the processor, at least one digital master key associated with an identification number;
• utilizing, by the processor, a derivation translation module to derive at least three digits of the plurality of digital digits associated with the digital master key;
• automatically generating, by the processor, a plurality of time-based digital tokens based on the at least three digits derived from the digital master key;
• automatically updating, by the processor, a pre-generated database of data records associated with the digital data in response to generating the plurality of time-based tokens;
• utilizing, by the processor, a time-based digital token of the plurality of time-based digital tokens to generate digital data for with a computing device associated with a user;
• automatically generating, by the processor, a first card verification code associated with the at least one time-based digital token and the digital data for the computing device associated with the user, wherein automatically generating the first verification code comprises:
• identifying a plurality of parameters associated with the digital data based on a plurality of preferences associated with the user;
• assigning a value to each identified parameter of the plurality of parameters based on a predetermined scale;
• dynamically aggregating the assigned values of each identified parameter of the plurality of parameters associated with the user;
• and
• generating the first verification code based on the dynamic aggregation of the assigned values of the plurality of parameters associated with the user;
• automatically expiring, by the processor, the first card verification code after a predetermined period of time;
• and
• automatically regenerating, by the processor, a second card verification code after the predetermined period of time for the computing device associated with the user.

A system comprising:

• a non-transient computer memory, storing software instructions;
• at least one processor of a first computing device associated with a user;
• wherein, when the processor executes the software instructions, the first computing device is programmed to:
• identify, by the processor, a plurality of identification numbers associated with a plurality of entities;
• determine, by the processor, at least one digital master key associated with an identification number;
• utilize, by the processor, a derivation translation module to derive at least three digits of the plurality of digital digits associated with the digital master key;
• automatically generate, by the processor, a plurality of time-based digital tokens based on the at least three digits derived from the digital master key;
• utilize, by the processor, at least one time-based digital token of the plurality of time-based digital tokens to generate digital data for with a computing device associated with a user;
• automatically generate, by the processor, a first card verification code associated with the at least one time-based digital token and the digital data for the computing device associated with the user, wherein automatically generating the first verification code comprises:
• identifying a plurality of parameters associated with the digital data based on a plurality of preferences associated with the user;
• assigning a value to each identified parameter of the plurality of parameters based on a predetermined scale;
• dynamically aggregating the assigned values of each identified parameter of the plurality of parameters associated with the user;
• and
• generating the first verification code based on the dynamic aggregation of the assigned values of the plurality of parameters associated with the user;
• automatically expire, by the processor, the first card verification code after a predetermined period of time;
• and
• automatically regenerate, by the processor, a second card verification code after the predetermined period of time for the computing device associated with the user.