Secure data transfer techniques

One or more non-transitory computer-readable media comprising computer-executable instructions that, when executed by one or more processors, cause the one or more processors to perform operations comprising:

• receiving, by a service provider from an application of a user device, a first request to generate a machine-readable optical image associated with a user account for use in transferring data to the user account, wherein:
• the user account is associated with the user device;
• and
• the first request includes account data associated with the user account;
• transmitting, by the service provider to a server, a second request to validate the first request, wherein the second request includes the account data;
• receiving, by the service provider from the server, a determination that the second request meets a threshold score based at least in part on the account data;
• generating, by the service provider, the machine-readable optical image based at least in part on the determination;
• transmitting, by the service provider to the application of the user device, the machine-readable optical image;
• receiving, by the service provider from an issuing device, a notification of a data transfer to the user account;
• generating, by the service provider, an updated data log for the user account based at least in part on the data transfer;
• and
• disabling, by the service provider to the application of the user device, the machine-readable optical image based at least in part on the notification.

A system comprising:

• a memory comprising computer-executable instructions;
• and
• a processor configured to access the memory and execute the computer-executable instructions to at least:
• receive, by a service provider from an application of a user device, a first request to generate a machine-readable optical image associated with a user account for use in transferring data to the user account, wherein:
• the user account is associated with the user device;
• and
• the first request includes account data associated with the user account;
• transmit, by the service provider to a server, a second request to validate the first request, wherein the second request includes the account data;
• receive, by the service provider from the server, a determination that the second request meets a threshold score based at least in part on the account data;
• generate, by the service provider, the machine-readable optical image based at least in part on the determination;
• transmit, by the service provider to the application of the user device, the machine-readable optical image;
• receive, by the service provider from an issuing device, a notification of a data transfer to the user account;
• generate, by the service provider, an updated data log for the user account based at least in part on the data transfer;
• and
• disable, by the service provider to the application of the user device, the machine-readable optical image based at least in part on the notification.