Systems and methods for an authentication log-in interrupt process

A computing system comprising:

• an accounts database structured to store information regarding a user;
• and
• a dynamic limit circuit stored on a secure element of a mobile device associated with the user, the secure element comprising at least one of a secure smart card chip, a universal integrated circuit card, a subscriber identification module card, and a secure digital memory card communicably and operatively coupled to the accounts database, the dynamic limit circuit structured to:
• provide an authorization engine for a plurality of payment instruments of the user to the mobile device;
• pull the information regarding the user from the accounts database, the information of the user including at least one of a plurality of payment channels associated with the user, an associated payment device of the user, a user account type, a user account balance, a user type, a user account history, a user fraud factor, a length of account time, or an external financial institution rating;
• determine a financial health of the user based on the pulled information of the user;
• place the user into an initial tier of a finite number of tiers based on the financial health of the user;
• determine a limit for the user based on the initial tier placement of the user;
• adjust the limit for the user based on a funds transfer request on one or more of the plurality of payment channels through the associated payment device, wherein the adjusted limit is responsive to the funds transfer request and the initial tier placement of the user;
• reject the funds transfer request based on the adjusted limit;
• generate an authentication request with a failed transaction message;
• and
• render the authentication request as a splash page on the mobile device of the user when the user accesses a website associated with a financial institution associated with the system, the splash page indicating an additional step for the user to complete to obtain an approval, wherein the additional step comprises:
• receiving biometric information from the user;
• authenticating the biometric information received from the user;
• increasing, responsive to authenticating the biometric information received from the user, the adjusted limit;
• approving the funds transfer request based on the increased adjusted limit;
• and
• updating a graphical user interface displayable on the mobile device associated with the user that provides an indication of how a request to use the one or more of the plurality of payment channels affects a tier value of the user relative to the initial tier placement.

A non-transitory computer-readable media having computer-executable instructions embodied therein that, when executed by a dynamic limit circuit of a financial institution computing system stored on a secure element of a mobile device associated with a user, causes the dynamic limit circuit to perform operations, the operations comprising:

• providing an authorization engine for a plurality of payment instruments of the user to the mobile device associated with the user;
• pulling, from an accounts database of the financial institution computing system associated with a financial institution, information of the user including at least one of a plurality of payment channels associated with the user, an associated payment device of the user, a user account type, a user account balance, a user type, a user account history, a user fraud factor, a length of account time, or an external financial institution rating;
• determining a financial health of the user based on the pulled information of the user;
• placing the user into an initial tier of a finite number of tiers based on the financial health of the user;
• determining a limit for the user based on the initial tier placement of the user;
• adjusting the limit for the user based on a funds transfer request on one or more of the plurality of payment channels through the associated payment device, wherein the adjusted limit is responsive to the funds transfer request and the initial tier placement of the user;
• rejecting the funds transfer request based on the adjusted limit;
• generating an authentication request with a failed transaction message;
• and
• rendering the authentication request as a splash page on the mobile device when the user accesses a website associated with the financial institution, the splash page indicating an additional step for the user to complete to obtain an approval, wherein the additional step comprises:
• receiving biometric information from the user;
• authenticating the biometric information received from the user;
• increasing, responsive to authenticating the biometric information received from the user, the adjusted limit;
• approving the funds transfer request based on the increased adjusted limit;
• and
• updating a graphical user interface displayable on the mobile device associated with the user that provides an indication of how a request to use the one or more of the plurality of payment channels affects a tier value of the user relative to the initial tier placement.