System, Method, and Computer Program Product for Communication Layer Management of Online Services

A computer-implemented method for implementing a communication interface layer for managing online services, comprising:

• receiving, with at least one processor, a request for an authentication token for access to an online service associated with a transaction service provider system, wherein the request comprises a user identifier associated with an account provided by an issuer;
• generating, with at least one processor, an authentication token associated with the user identifier, wherein the authentication token is configured to stop functioning after a time period;
• transmitting, with at least one processor, the authentication token to a user device;
• receiving, with at least one processor, a request to access the online service to perform an action associated with the account via a first function of a transaction service provider communication interface layer from the user device, wherein the request to access the online service comprises the authentication token;
• determining, with at least one processor, that the user device is authenticated for access to the online service associated with the transaction service provider system based on the authentication token;
• and
• performing, with at least one processor, an action involving the online service associated with the transaction service provider system via a second function of the transaction service provider communication interface layer based on determining that the user device is authenticated for access to the online service associated with the transaction service provider system.

A computer program product for implementing a communication interface layer for managing online services, the computer program product comprising at least one non-transitory computer-readable medium including one or more instructions that, when executed by at least one processor, cause the at least one processor to:

• receive a request for an authentication token for access to an online service associated with a transaction service provider system, wherein the request comprises a user identifier associated with an account provided by an issuer;
• generate an authentication token associated with the user identifier, wherein the authentication token is configured to stop functioning after a time period;
• transmit the authentication token to a user device;
• receive a request to access the online service to perform an action associated with the account via a first function of a transaction service provider communication interface layer from the user device, wherein the request to access the online service to perform an action associated with the account comprises the authentication token;
• determine whether the user device is authenticated for access to the online service associated with the transaction service provider system based on receiving the request to access the online service to perform an action associated with the account;
• and
• perform an action involving the online service associated with the account via a second function of the transaction service provider communication interface layer.