Systems and methods for monitoring computer authentication procedures

A method for monitoring execution of a digital authentication program, the method implemented using an authentication monitoring (AM) computer device comprising a processor and a memory device, the method comprising:

• receiving at least one authentication data file from an authenticating computer device executing the digital authentication program, wherein the authenticating computer device is associated with an authenticating entity, wherein the authenticating computer device includes computer-executable instructions stored thereon and programmed to execute processes of the digital authentication program, wherein the authentication data file is generated during an electronic transaction performed by a cardholder using a cardholder computer device in association with a merchant computer device, and wherein the at least one authentication data file includes authentication data from a plurality of authentication procedures performed by the digital authentication program for a plurality of users;
• extracting at least one authentication value from the authentication data for each of the plurality of authentication procedures, wherein the at least one authentication value indicates one of a plurality of types of the corresponding authentication procedure used by the authenticating computer device;
• updating, for each of the types, a stored metric using the authentication data associated with the corresponding at least one authentication value;
• determining that the stored metric fails to meet a predefined benchmark;
• and
• in response to the determining, reducing a benefit accorded to the authenticating entity, wherein the benefit includes at least one of:
• access to the digital authentication program and a monetary value exchanged for use of the digital authentication program.

A system for monitoring execution of a digital authentication program, the system including an authentication monitoring (AM) computer device comprising a processor and a memory device, the AM computer device configured to:

• receive at least one authentication data file from an authenticating computer device executing the digital authentication program, wherein the authenticating computer device is associated with an authenticating entity, wherein the authenticating computer device includes computer-executable instructions stored thereon and programmed to execute processes of the digital authentication program, wherein the authentication data file is generated during an electronic transaction performed by a cardholder using a cardholder computer device in association with a merchant computer device, and wherein the at least one authentication data file includes authentication data from a plurality of authentication procedures performed by the digital authentication program for a plurality of users;
• extract at least one authentication value from the authentication data for each of the plurality of authentication procedures, wherein the at least one authentication value indicates one of a plurality of types of the corresponding authentication procedure used by the authenticating computer device;
• update, for each of the types, a stored metric using the authentication data associated with the corresponding at least one authentication value;
• determine that the stored metric fails to meet a predefined benchmark;
• and
• in response to the determining, reducing a benefit accorded to the authenticating entity, wherein the benefit includes at least one of:
• access to the digital authentication program and a monetary value exchanged for use of the digital authentication program.

A non-transitory computer readable medium that includes computer executable instructions for monitoring an execution of a digital authentication program, wherein when executed by an authentication monitoring (AM) computer device comprising a processor and a memory device, the computer executable instructions cause the AM computer device to:

• receive at least one authentication data file from an authenticating computer device executing the digital authentication program, wherein the authenticating computer device is associated with an authenticating entity, wherein the authenticating computer device includes computer-executable instructions stored thereon and programmed to execute processes of the digital authentication program, wherein the authentication data file is generated during an electronic transaction performed by a cardholder using a cardholder computer device in association with a merchant computer device, and wherein the at least one authentication data file includes authentication data from a plurality of authentication procedures performed by the digital authentication program for a plurality of users;
• extract at least one authentication value from the authentication data for each of the plurality of authentication procedures, wherein the at least one authentication value indicates one of a plurality of types of the corresponding authentication procedure used by the authenticating computer device;
• update, for each of the types, a stored metric using the authentication data associated with the corresponding at least one authentication value;
• determine that the stored metric fails to meet a predefined benchmark;
• and
• in response to the determining, reducing a benefit accorded to the authenticating entity, wherein the benefit includes at least one of:
• access to the digital authentication program and a monetary value exchanged for use of the digital authentication program.