Systems and methods for use in evaluating network interactions

A system for evaluating network-based interactions involving reward accounts, the system comprising:

• a memory including a history of a reward account for a user, the reward account provided to the user by a merchant, wherein the history of the reward account includes a history of interactions involving the reward account and a history of access by the user to the reward account;
• and
• a directory server in communication with the memory and with a merchant plug-in (MPI) associated with the merchant, the directory server configured to:
• receive, from the MPI, a query related to a network-based interaction by the user at the merchant directed to the reward account of the user, the query including an identifier associated with the reward account;
• generate a score associated with the query, based on the history of the reward account included in the memory;
• determine whether the score satisfies a threshold;
• direct a challenge to the user, at a communication device associated with the user, in response to the generated score failing to satisfy the threshold;
• and
• transmit, to the MPI, a reply based on the generated score and/or the response to the challenge, thereby providing enhanced authentication of the user for the network-based interaction directed to the reward account of the user.

A non-transitory computer-readable storage medium including executable instructions for evaluating network interactions involving reward accounts, which, when executed by a processor of a directory server, cause the processor to:

• receive, from a merchant plug-in (MPI) associated with a merchant, a query related to a network interaction by a user at the merchant to fund a transaction at the merchant with rewards from a reward account of the user, the query including an identifier associated with the reward account;
• generate a score associated with the query, based on a history of the reward account included in a data structure in communication with the processor, wherein the history of the reward account includes a history of interactions involving the reward account and a history of access by the user to the reward account;
• determine whether the score satisfies a threshold;
• direct a challenge to the user, at a communication device associated with the user, in response to the generated score failing to satisfy the threshold;
• and
• transmit, to the MPI, a reply based on the generated score and/or the response to the challenge, thereby providing enhanced authentication of the user based on the network interaction by the user to fund the transaction at the merchant with rewards from the reward account of the user.