System and method for facilitating programmatic verification of transactions

A computer-implemented method comprising:

• by a computer system having one or more hardware computer processors executing a plurality of computer executable instructions:
• executing an Application Programming Interface (API) of the computer system, the API of the computer system configured to receive and provide responses to requests from a developer computing device according to a normalized format of the API of the computer system;
• receiving, via the API and according to the normalized format, a request from the developer computing device for transaction data associated with a user, the request including at least:
• a username associated with the user,
• a password associated with the user, and
• an external institution identifier;
• determining, based on the external institution identifier, an external institution associated with the request;
• in response to the request, instantiating a virtualized instance of a mobile device application associated with the external institution, wherein:
• the virtualized instance of the mobile device application is uniquely configured to interface with an external computing device of the external institution via a non-public API of the external computing device of the external institution,
• the non-public API of the external computing device of the external institution is configured to interact with the mobile device application, and
• the virtualized instance of the mobile device application is generated based on an analysis of an actual instance of a mobile device application associated with the external institution and interactions between the actual instance of the mobile device application and the external computing device of the external institution;
• authenticating the virtualized instance of the mobile device application with the external computing device of the external institution based on at least one of:
• an mobile device identifier code,
• an mobile device authentication token, or
• a mobile device Media Access Control (MAC) address;
• requesting, by the virtualized instance of the mobile device application and via the non-public API of the external computing device of the external institution, the transaction data associated with the user from the external computing device of the external institution by:
• providing the username associated with the user and the password associated with the user to the external computing device of the external institution;
• requesting the transaction data from the external computing device of the external institution;
• and
• receiving the transaction data associated with the user from the external computing device of the external institution;
• providing, via the API of the computer system and in the normalized format, the transaction data to the developer computing device;
• and
• persisting, in one or more computer readable storage devices of the computer system, the virtualized instance of the mobile device application such that future requests for transaction data associated with the user may be obtained via the virtualized instance of the mobile device application.

A non-transitory computer-readable medium storing software instructions that, in response to execution by one or more hardware computer processors of a computer system, configure the one or more hardware computer processors to perform operations comprising:

• executing an Application Programming Interface (API) of the computer system, the API of the computer system configured to receive and provide responses to requests from a developer computing device according to a normalized format of the API of the computer system;
• receiving, via the API and according to the normalized format, a request from the developer computing device for transaction data associated with a user, the request including at least:
• a username associated with the user,
• a password associated with the user, and
• an external institution identifier;
• determining, based on the external institution identifier, an external institution associated with the request;
• in response to the request, instantiating a virtualized instance of a mobile device application associated with the external institution, wherein:
• the virtualized instance of the mobile device application is uniquely configured to interface with an external computing device of the external institution via a non-public API of the external computing device of the external institution,
• the non-public API of the external computing device of the external institution is configured to interact with the mobile device application, and
• the virtualized instance of the mobile device application is generated based on an analysis of an actual instance of a mobile device application associated with the external institution and interactions between the actual instance of the mobile device application and the external computing device of the external institution;
• authenticating the virtualized instance of the mobile device application with the external computing device of the external institution based on at least one of:
• an mobile device identifier code,
• an mobile device authentication token, or
• a mobile device Media Access Control (MAC) address;
• requesting, by the virtualized instance of the mobile device application and via the non-public API of the external computing device of the external institution, the transaction data associated with the user from the external computing device of the external institution by:
• providing the username associated with the user and the password associated with the user to the external computing device of the external institution;
• requesting the transaction data from the external computing device of the external institution;
• and
• receiving the transaction data associated with the user from the external computing device of the external institution;
• providing, via the API of the computer system and in the normalized format, the transaction data to the developer computing device;
• and
• persisting, in the non-transitory computer-readable medium of the computer system, the virtualized instance of the mobile device application such that future requests for transaction data associated with the user may be obtained via the virtualized instance of the mobile device application.