Abstract: Disclosed is a computerized person-to-person asset routing system. The system typically includes a processor, a memory, and a person-to-person asset routing module that is stored in the memory and executable by the processor. The person-to-person asset routing module is typically configured for receiving an electronic image file containing an image of a negotiable instrument from a payor computing device; processing the image of the negotiable instrument to extract transaction data; identifying a payor account; comparing the extracted transaction information to a payee information repository; based on comparing the extracted transaction information to the payee information repository, identifying payee routing information associated with a payee; and based on identifying the payor account and the payee routing information, transferring assets from the payor account to the payee via the payee routing information.

Abstract: A network communication interface and a memory device storing an anomaly application and a resource application are provided. A processing device is operatively coupled to the memory device, wherein the processing device is configured to execute computer-readable program code to: determine the existence of an anomalous situation for a user; initiate the anomaly application to acquire aggregated metrics from third parties associated with the anomalous situation; and analyze the anomalous situation using the aggregated information. The aggregated metrics may be obtained from the entity system and/or from a third party system. The aggregated metrics may comprise the historical financial record of a plurality of third parties. The aggregated metrics may be obtained by searching a datastore of the entity system for relevant information from a historical record of unrelated individuals.

Abstract: Systems, computer program products, and methods are described herein for tracking resource allocation/usage across a dispersed Internet protocol capable network connecting devices electrically attached to the network. The present invention is configured to receive, from a first user computing device, a first user request for authorization to access at least one of the one or more computing devices; initiate the augmented reality application for display on the at least one of the one or more computing devices; reconfigure, via the augmented reality application, a display device associated with the first user computing device to emulate a content displayed on a display device associated with at least one of the one or more computing devices on the display device of the first user computing device; retrieve, using the first user computing device, information from the content; process, using the first computing device, the retrieved information; and display the processed information.

Abstract: Systems, computer program products, and methods are described herein for active selection management system with suggested actions. The present invention is configured to determine one or more additional devices and/or one or more additional applications associated with the user based on at least determining that the one or more additional devices when combined with the one or more devices aids the user to accomplish the target; initiate a presentation of the one or more additional devices and/or the one or more additional applications on a user interface for display on the user device; receive a user selection of at least one of the one or more additional devices and/or one or more additional applications; and establish a communication link with the at least one of the one or more additional devices and/or the one or more additional applications selected by the user.

Abstract: Systems, methods and computer program products for allocation of resources based on event triggers are provided. As an example, the system receives a set of electronic guidelines outlining scheduled allocation of resources based on detection of trigger events, where the resources are transferred electronically from a source to a destination. The system parses the electronic guidelines into a set of event triggers associated with resource allocations and monitor activities associated events related to allocation resources. From the monitoring, the system identifies a triggering event in the activities that is associated with a resource allocation as defined in the electronic guidelines and transfers an allocation of the resources electronically from the source to the destination based on the triggering event.

Abstract: Embodiments of the invention include systems, methods, and computer-program products for scheduling and affecting appointment calendaring based on dependencies. As such, the invention provides for a dynamic appointment calendaring based on changes in the user's location. The dependencies comprise current and potential future locations and times of a user. The invention continuously monitors the calendars of the user on one or more devices. Further, the invention determines a change in existing appointments or cancellation of an appointment such that the user is newly available at certain time or determines a change in current and potential future locations of the user. Subsequently, the invention then evaluates one or more upcoming future appointments of the user with the financial institution specialists and ascertains the appointment details. The invention then automatically, schedules one or more new appointments at a new time and/or location with relevant specialists.

Abstract: Embodiments of the invention include systems, methods, and computer-program products for scheduling and affecting appointment calendaring based on perceived user requirements. As such, the invention provides for a smart appointment calendaring based on the automatic and real time analysis of a user's financial information, transaction history, navigation history and the like. The system then identifies one or more relevant specialists and schedules one or more appointments. Based on needs identified from analysis of user information, the invention may create an appointment package for the user. Thus, the system may schedule appointments with one or more specialists based on the user's requirements.

Abstract: Systems, methods and computer program products for allocation of resources based on event triggers are provided. As an example, the system receives a set of electronic guidelines outlining scheduled allocation of resources based on detection of trigger events, where the resources are transferred electronically from a source to a destination. The system parses the electronic guidelines into a set of event triggers associated with resource allocations and monitor activities associated events related to allocation resources. From the monitoring, the system identifies a triggering event in the activities that is associated with a resource allocation as defined in the electronic guidelines and transfers an allocation of the resources electronically from the source to the destination based on the triggering event.

Abstract: In response to receiving a request from a user to initiate a new resource pool, a determination of a purpose of the new resource pool is made. The system may receive the purpose of the resource pool from the user and thereafter access user data regarding types of resource pools owned by the user and other users and the allocation of resources therein. The system identifies suggested resource pools and/or resource pool allocations to present to the user at the time the user initiates the new resource pool. The systems may receive a selected resource pool from the user, and begin initiate the new resource pool. Determining the purpose of the new resource pool, and allocations therefor at the time the resource pool is initiated, improves processing since the processors open the desired resource pool and allocate resources at the time of initiating the new resource pool.

Abstract: Systems, computer program products, and methods are described herein for predictive acquisition and use of resources across a dispersed Internet protocol capable network connecting devices electrically attached to the network. The present invention is configured to receive an indication from a user to initiate a change associated with a resource utilization profile of the user; initiate a first user interface, wherein the first user interface comprises one or more resources associated with the resource utilization profile; receive a user selection of at least one of the one or more resources associated with the resource utilization profile that the user wishes to change; monitor the one or more resources for a predetermined amount of time since the initiation of the change; determine a utilization trend; dynamically generate a graphical representation of the utilization trend; and display the graphical representation of the utilization trend to the user.

Abstract: A system for monitoring resource utilization and electronic validation includes an entity system having a network communication interface and a memory device storing a resource monitoring and utilization application and a resource application. A processing device is operatively coupled to the memory device, wherein the processing device is configured to execute computer-readable program code to: determine based on the utilization of the resource application to initiate the resource monitoring and utilization application; initiate the resource monitoring and utilization application; and transmit an electronic validation that a transaction executed by the resource application is complete.

Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for implementing and visualizing individualized consumption across a shared resource allocation structure. Example embodiments include categorizing transactions associated with individual users associated with the shared resource allocation structure and implementing individuals display and viewing of such transactions, including visualization of a relationship between one or more transactions and a set of transaction rules.

Abstract: Systems, computer program products, and methods are described herein for access to a resource across a dispersed Internet protocol capable network connecting devices electrically attached to the network. The present invention is configured to receive an indication from a user to access a resource; display a first user interface on the user computing device, wherein the first user interface further comprises an option for the user to establish an authorization profile; receive a user acknowledgement to establish the authorization profile; determine one or more access paths associated with an authorization model to enable the user to establish the authorization profile; and display a second user interface on the user computing device, wherein the second user interface comprises the one or more access paths associated with the authorization model to enable the user to establish the authorization profile.

Abstract: A system for monitoring resource utilization and optimization includes an entity system having a network communication interface and a memory device storing a resource monitoring and utilization application and a resource application. A processing device is operatively coupled to the memory device, wherein the processing device is configured to execute computer-readable program code to: determine based on the utilization of a resource application and/or a physical transaction related to the resource application to initiate the resource monitoring and utilization application; initiate the resource monitoring and utilization application to transmit information about the resource application to a user device.

Abstract: Systems, computer program products, and methods are described herein for active management of devices based on user selection. The present invention is configured to initiate a control interface, wherein the control interface comprises one or more features associated with the one or more devices; receive a user selection of at least one of the one or more features associated with the one or more devices, thereby allowing one or more control factors associated with the one or more features to be modified; determine an optimum value for the one or more selected features, wherein the optimum value aids the user in accomplishing the selected target; and modify a value associated with the one or more selected features to reflect the optimum value.

Abstract: Embodiments of the invention are directed to a control device for aggregation of machine-initiated resource distribution. The invention is a control device that links user associated smart devices. The control device generates code to extract data from the smart devices and control the communications disseminated from and received by the smart device from third parties. In this way, the control device prevents smart devices from communicating with third party systems and from third party systems from communicating directly with the smart devices. Thus, fixing the technical challenges within a current network including the need to consolidate and aggregate data across smart devices associated with the user, the need to control and manage the flow of data packets from smart devices to third parties (privacy, filtering, protection), and the need to easily track and refresh an inventory of smart devices.

Abstract: Systems, computer program products, and methods are described herein for predictive usage of resources across a dispersed Internet protocol capable network connecting devices electrically attached to the network. The present invention is configured to determine resource utilization profile associated with a user; continuously monitor the resource utilization profile of the user to track the use of the one or more resources allocated to the user over a predetermine period of time; determine one or more elevated usage instances; predict, via the resource prediction application, that at least one of the one or more elevated usage instances is scheduled to occur; determine one or more resources across the dispersed network for the user for processing during the at least one of the one or more elevated usage instances; and reallocate the one or more determined resources to the user.

Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for implementing a change in a parameter associated with an event-responsive resource allocation structure, such as a named beneficiary, and predicting that the current parameters of an event-responsive resource allocation structure a unlikely to be congruent with a user's desired configuration of the parameters of the event-responsive resource allocation structure.

Abstract: Embodiments are directed to receiving a token from a wearable device carried by a customer, the token for user authentication based on a visitation pattern of the customer. Embodiments include receive, from the wearable device carried by the customer, the token comprising user authentication information associated with the customer, wherein receiving the token indicates a current visit of the customer to the financial institution location; access, based at least in part on the user authentication information, a visitation history from a customer profile associated with the customer; determine, based at least in part on the visitation history, whether the current visit falls within a recognized visitation pattern; and authenticate, based at least in part on the determination, the customer for performing a transaction at the financial institution location.

Abstract: In response to receiving a request from a user to initiate a new resource pool, a determination of a purpose of the new resource pool is made. The system identifies suggested resource allocations for the new resource pool, as well as suggested modifications for current resource pools of a user, and presents both to the user. The suggested resource allocations are determined based on the purpose of the new resource pool and user data associated with the user or other users. The user selects suggested resource allocations for the new resource pool and current resource pools. The processing systems initiate the selected resource allocation and/or the suggested modifications selected by the user at the time of initiating the new resource pool, and thus reduces the processing requirements for processing resource allocations since the allocations occur at the initiation of the new resource pool.