Post-provisioning authentication protocols

A non-transitory computer-readable medium comprising instructions that, when executed by one or more processors, cause a computing device to perform steps comprising:

• transmitting, based on receiving an electronic provisioning request to provision a user device associated with a user and a user account, an electronic signal providing an approval signal of the electronic provisioning request, the approval signal configured to authorize a third party to issue a digital token to the user device authorizing the user device to digitally utilize the user account for tokenized transactions;
• initiating, in substantially real-time and by a computer processor and based on transmitting the approval signal, a determination of an authentication score for the provisioning of the user device, the determination comprising:
• calculating, in substantially real-time and by comparing a location associated with the user of the user device against an origin identifier of the user device, a first sub score;
• calculating, in substantially real-time and by electronically comparing transactions conducted on the user device after transmitting the approval signal of the electronic provisioning request with transactions conducted prior to the electronic provisioning request, a second sub score;
• and
• calculating, using a formula based on the first sub score and the second sub score, the authentication score;
• determining, based on a determination that the authentication score satisfies a predetermined threshold, not to suspend the user account;
• calculating, by electronically comparing transactions conducted on the user device after transmitting the approval signal of the electronic provisioning request with transactions conducted prior to the electronic provisioning request on at least one other device associated with the user, a third sub score;
• calculating, using a formula based on at least the third sub score and authentication score, an updated authentication score;
• determining that the updated authentication score fails to satisfy a threshold requirement;
• and
• transmitting, based on the determining, an electronic suspend message to instruct limiting utilization of the digital token on the user device to digitally utilize the user account for tokenized transactions.

A computing device comprising:

• at least one processor;
• and
• a non-transitory computer-readable medium comprising computer-executable instructions that, when executed, cause the computing device to:
• transmit, based on receiving a first electronic provisioning request to provision a user device associated with a user and a user account, an electronic signal providing approval of the first electronic provisioning request, the approval signal configured to authorize a third party to issue a digital token to the user device authorizing the user device to digitally utilize the user account;
• initiate, in substantially real-time and by a computer processor and based on transmitting the approval signal, a determination of an authentication score for the provisioning of the user account on the user device by:
• calculating, in substantially real-time and by comparing a location associated with the user of the user device against an origin identifier of the user device, a first sub score;
• calculating, in substantially real-time and by electronically comparing transactions conducted on the user device after transmitting the approval signal of the first electronic provisioning request with transactions conducted prior to the first electronic provisioning request on at least one other device associated with the user, a second sub score;
• and
• calculating, using a formula based on the first sub score and the second sub score, the authentication score;
• determine, based on a determination that the authentication score satisfies a threshold requirement, that the approval signal was proper;
• receive a second electronic provisioning request requesting authorization to provision a second user account;
• determine, in substantially real-time and based on the authentication score, whether the second electronic provisioning request is for provisioning the user device;
• and
• transmit, based on determining that the second electronic provisioning request is for provisioning the user device, an electronic signal providing approval of the second electronic provisioning request for provisioning the user device.