Systems and methods for interactive chatbot authentication of users

A computer-implemented method for authenticating users using an interactive chatbot, the method implemented by a computing system including at least one processor in communication with at least one memory, the method comprising:

• receiving an authorization request message for a transaction initiated by a user, wherein the authorization request message includes transaction data;
• retrieving, from the at least one memory, user data associated with the user;
• determining, based upon the transaction data and the user data, a risk associated with the transaction;
• generating, based upon the risk associated with the transaction, one or more prompts for the user;
• transmitting, via the interactive chatbot, the one or more prompts to the user;
• receiving user input in response to the one or more prompts;
• and
• embedding an authentication indicator into the authorization request message, wherein the authentication indicator indicates whether the user is authenticated based upon the user input.

At least one non-transitory computer-readable storage media that includes computer-executable instructions for authenticating users using an interactive chatbot, wherein when executed by a computing system including at least one processor in communication with at least one memory, the computer-executable instructions cause the at least one processor to:

• receive an authorization request message for a transaction initiated by a user, wherein the authorization request message includes transaction data;
• retrieve, from the at least one memory, user data associated with the user;
• determine, based upon the transaction data and the user data, a risk associated with the transaction;
• generate, based upon the risk associated with the transaction, one or more prompts for the user;
• transmit, via the interactive chatbot, the one or more prompts to the user;
• receive user input in response to the one or more prompts;
• and
• embed an authentication indicator into the authorization request message, wherein the authentication indicator indicates whether the user is authenticated based upon the user input.