Systems and methods for customer real time verification to reduce fraud over virtual banking channel

A computer processing system comprising:

• a memory configured to store instructions;
• and
• a hardware processor of a platform operatively coupled to the memory for executing the instructions to:
• receive a notification of a banking appointment, wherein the notification comprises an incoming internet call from a user;
• initiate a customer assist instance responsive to the notification;
• determine whether to ask the user for a document scan based on whether a user's device is known to the platform;
• send, based on determining authorization is required, an event to the user's device with a unique scan session;
• initiating the unique scan session based on determining that the user's device is logged into a user's account;
• configuring the unique scan session to be available only during a defined time period, and to be restricted to the user's device and/or a passcode;
• receive a scanned document from the user's device;
• and
• determine, based on the scanned document, to allow a transaction.

A non-transitory computer readable storage medium of a platform, including instructions stored thereon, which when read and executed by one or more computer processors, cause the one or more computer processors to perform steps comprising:

• receiving a notification of a customer call, wherein the notification comprises an incoming phone call from a user;
• initiating a customer assist instance responsive to the notification;
• determining whether to ask the user for a document scan based on whether a user's device is known by the platform;
• sending, based on determining authorization is required, an event to the user's device with a unique scan session;
• initiating the unique scan session based on determining that the user's device is logged into a user's account;
• configuring the unique scan session to be available only during a defined time period, and to be restricted to the user's device and/or a passcode;
• receiving a scanned document from the user's device;
• and
• determining, based on the scanned document, to allow a transaction.