Multi-Computer System for Fail-Safe Event Processing

A method, comprising:

• receiving, by a computing platform of an enterprise organization, the computing platform having at least one processor and memory, and from a user, a request to register, the request to register including a request to open an account;
• responsive to receiving the request to register, generating, by the at least one processor, an account for the user, generating the account including generating a first account number associated with the account and a second account number, different from the first account number and associated with the account;
• transmitting, by the at least one processor and to the user, the first account number, wherein the first account number is associated with a payment device of the account;
• storing, by the at least one processor of the enterprise organization, the second account number in a deactivated state;
• receiving, by the at least one processor and via a user portal, a request to initiate a recurring payment from the account, the request to initiate the recurring payment including the first account number;
• processing, by the at least one processor, a first instance of the recurring payment using the first account number;
• detecting, by the at least one processor, an issue with at least one of:
• the payment device associated with the account or the first account number;
• responsive to detecting the issue:
• retrieve, by the at least one processor, a creditworthiness score associated with the user;
• and
• compare, by the at least one processor, the retrieved creditworthiness score to a creditworthiness threshold;
• responsive to determining that the creditworthiness score meets or exceeds the creditworthiness threshold:
• activate, by the at least one processor, the second account number;
• process, by the at least one processor, a second, subsequent instance of the recurring payment using the activated second account number;
• generate, by the at least one processor, a first notification indicating that the second, subsequent instance of the recurring payment was processed;
• and
• transmit, by the at least one processor, the generated first notification to a computing device of the user, wherein transmitting the generated first notification causes the first notification to be displayed on a display of the computing device of the user;
• responsive to determining that the creditworthiness score does not meet or exceed the creditworthiness threshold:
• generate, by the at least one processor, a second notification indicating that the issue was detected and requesting user input;
• and
• transmit, by the at least one processor, the second notification to the computing device of the user, wherein transmitting the second notification causes the second notification to be displayed on the display of the computing device of the user.

One or more non-transitory computer-readable media storing instructions that, when executed by a computing platform comprising at least one processor, memory, and a communication interface, cause the computing platform to:

• receive, by an enterprise organization and from a user, a request to register, the request to register including a request to open an account;
• responsive to receiving the request to register, generate an account for the user, generating the account including generating a first account number associated with the account and a second account number, different from the first account number and associated with the account;
• transmit, to the user, the first account number, wherein the first account number is associated with a payment device of the account;
• store, by the enterprise organization, the second account number in a deactivated state;
• receive, via a user portal, a request to initiate a recurring payment from the account, the request to initiate the recurring payment including the first account number;
• process a first instance of the recurring payment using the first account number;
• detect an issue with at least one of:
• the payment device associated with the account or the first account number;
• responsive to detecting the issue:
• retrieve a creditworthiness score associated with the user;
• and
• compare the retrieved creditworthiness score to a creditworthiness threshold;
• responsive to determining that the creditworthiness score meets or exceeds the creditworthiness threshold:
• activate the second account number;
• process a second, subsequent instance of the recurring payment using the activated second account number;
• generate a first notification indicating that the second, subsequent instance of the recurring payment was processed;
• and
• transmit the generated first notification to a computing device of the user, wherein transmitting the generated first notification causes the first notification to be displayed on a display of the computing device of the user;
• responsive to determining that the creditworthiness score does not meet or exceed the creditworthiness threshold:
• generate a second notification indicating that the issue was detected and requesting user input;
• and
• transmit the second notification to the computing device of the user, wherein transmitting the second notification causes the second notification to be displayed on the display of the computing device of the user.