Systems and methods for a beneficiary pre-approval

A beneficiary pre-approval computing system comprising:

• a storage location comprising a plurality of beneficiaries;
• and
• one or more processors and instructions stored in non-transitory machine-readable media, the instructions configured to cause the beneficiary pre-approval computing system to:
• register a beneficiary to a rating system, wherein registering comprises:
• receive an online request to enroll and enrollment information regarding the beneficiary, the enrollment information comprising a first device identifier of a computing device associated with the beneficiary and a first biometric identifier;
• generate a confidence data set based on determining a degree of consistency of the enrollment information, the confidence data set being indicative of a level of confidence of a source of data of the beneficiary;
• generate a beneficiary enrollment based on the enrollment information;
• based on a number of defects data set and the confidence data set, generating, by the funds transfer computing system, a trust score for the beneficiary, wherein the trust score is indicative of the beneficiary's likelihood of being approved to receive funds in an international funds transfer between the beneficiary and a payor;
• generate an anonymized beneficiary identifier token, the beneficiary token being associated with the identity of the beneficiary and the beneficiary token obscuring the identity of the beneficiary;
• associate the anonymized beneficiary identifier token and the trust score, wherein the anonymized beneficiary identifier token keeps the identity of the beneficiary anonymous when the trust score is subsequently transmitted;
• and
• store, by the funds transfer computing system, the trust score relationally to the anonymized beneficiary identifier token;
• receive identifying information including at least one of a receiving account, a financial institution associated with the receiving account, a beneficiary location, a beneficiary name, or an authentication factor;
• validate the identity of the beneficiary in response to the received identifying information, comprising receiving a second biometric identifier and comparing the second biometric identifier to the first biometric identifier to ensure a match;
• and
• when the trust score is below a predetermined threshold value, complete the funds transfer transaction based on performing at least one predetermined international funds transfer check, and alerting, by the funds transfer computing system based on the anonymized beneficiary identifier token, the beneficiary of the trust score, comprising:
• generating a notification alerting the beneficiary that the trust score is below the predetermined threshold, comprising generating a selectable prompt related to a query regarding the beneficiary;
• displaying the notification alerting the beneficiary that the trust score is below the predetermined threshold on a user interface of the computing device;
• receiving a second device identifier in response to the query regarding the beneficiary through the user interface;
• comparing the first device identifier to the second device identifier to ensure a match;
• and
• responsive to ensuring a match between the first device identifier and the second device identifier, allowing a beneficiary interaction with the clickable prompt of the pop-up notification on the user interface.

A non-transitory computer-readable media storing instructions therein that, when executed by one or more processors, causes the at one or more processors to perform operations comprising:

• registering a beneficiary to a rating system, wherein registering comprises:
• receiving an online request to enroll and enrollment information regarding the beneficiary, the enrollment information comprising a first device identifier of a computing device associated with the beneficiary and a first biometric identifier;
• generating a confidence data set based on determining a degree of consistency of the enrollment information, the confidence data set being indicative of a level of confidence of a source of data of the beneficiary;
• generating a beneficiary enrollment based on the enrollment information;
• based on a number of defects data set and the confidence data set, generating a trust score for the beneficiary, wherein the trust score is indicative of the beneficiary's likelihood of being approved to receive funds in an international funds transfer between the beneficiary and a payor;
• generating an anonymized beneficiary identifier token, the beneficiary token being associated with the identity of the beneficiary and the beneficiary token obscuring the identity of the beneficiary;
• associating the anonymized beneficiary identifier token and the trust score, wherein the anonymized beneficiary identifier token keeps the identity of the beneficiary anonymous when the trust score is subsequently transmitted;
• and
• storing, by the funds transfer computing system, the trust score relationally to the anonymized beneficiary identifier token;
• receiving identifying information including at least one of a receiving account, a financial institution associated with the receiving account, a beneficiary location, a beneficiary name, or an authentication factor;
• validating the identity of the beneficiary in response to the received identifying information, comprising receiving a second biometric identifier and comparing the second biometric identifier to the first biometric identifier to ensure a match;
• and
• when the trust score is below a predetermined threshold value, completing the funds transfer transaction based on performing at least one predetermined international funds transfer check, and alerting, by the funds transfer computing system based on the anonymized beneficiary identifier token, the beneficiary of the trust score, comprising:
• generating a notification alerting the beneficiary that the trust score is below the predetermined threshold, comprising generating a selectable prompt related to a query regarding the beneficiary;
• displaying the notification alerting the beneficiary that the trust score is below the predetermined threshold on a user interface of the computing device;
• receiving a second device identifier in response to the query regarding the beneficiary through the user interface;
• comparing the first device identifier to the second device identifier to ensure a match;
• and
• responsive to ensuring a match between the first device identifier and the second device identifier, allowing a beneficiary interaction with the clickable prompt of the pop-up notification on the user interface.