Abstract: A system is provided for transfer of digital resources using an integrated resource platform. In particular, the system may comprise a networked platform that may be accessible by one or more users to access digital resources (e.g., non-fungible tokens stored on a distributed register). The platform may further display a graphical user interface through which the user may take various actions with respect to such digital resources, including the ability to view metadata associated with the resources or to transfer the resources. In this regard, the platform may integrate multiple different types of distributed registers and/or legacy computing systems such that the user may access the digital resources along with the functions associated therewith.

Abstract: Systems, computer program products, and methods are described herein for real-time distributed communication channel and multiple data processing channel selection. The present invention is configured to receive, from a first user input device via a first communication channel, a request to access resources; retrieve connectivity and routing parameters associated with the first communication channel; determine communication channel requirements associated with the request to access the resources; determine that the connectivity and routing parameters associated with the first communication channel does not meet the communication channel requirements associated with the request to access the resources; capture geographic information associated with the first user input device; determine a second communication channel available to the first user input device to access the resources; and authorize the first user input device to access the resources via the second communication channel.

Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for a scheme evaluation authentication system to evaluate user action and machine learned pattern recognition for misappropriation activity prevention. In this way, bot and token deployment is utilized for identification of user actions to generate a user idiosyncrasy database. Using the database, the system creates a real-time scheme evaluation authentication for user authentication upon user attempted authentications. As such, a user may by authenticate irrespective of user inputs, but instead based on a match of user actions at the authentication location in real-time compared to the idiosyncrasy database.

Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for generation of dynamic authentication tokens for use in system-to-system transaction authorization and user identity verification. The system utilizes user biometric data to generate unique authentication tokens which are customized to a particular user. Furthermore, the system rotates not only the encryption algorithms used, but also the datasets being encrypted in order to provide a high level of security such that even if a user's biometric data was compromised, it would be highly unlikely that an attacker would be able to recreate the authentication token stemming from said biometric data at any given point in time. The system eliminates the need for user-provided authentication credentials and provides a more secure and more efficient method of authenticating data exchange between multiple systems or applications.

Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for generation of dynamic authentication tokens for use in system-to-system transaction authorization and user identity verification. The system utilizes user biometric data to generate unique authentication tokens which are customized to a particular user. Furthermore, the system rotates not only the encryption algorithms used, but also the datasets being encrypted in order to provide a high level of security such that even if a user's biometric data was compromised, it would be highly unlikely that an attacker would be able to recreate the authentication token stemming from said biometric data at any given point in time. The system eliminates the need for user-provided authentication credentials and provides a more secure and more efficient method of authenticating data exchange between multiple systems or applications.

Abstract: Systems, computer program products, and methods are described herein for directing resource transfers based on resource distribution data. The present invention may be configured to receive resource distribution data associated with a plurality of resource distributions, where the resource distribution data includes a plurality of resources, a plurality of receiving locations, and a plurality of delivery locations. The present invention may be further configured to receive a target efficiency rate for transfer containers corresponding to a percentage of capacity of the transfer containers occupied while the transfer containers are transferring the resources.

Abstract: Embodiments of the invention are directed to a system, method, or computer program product for an integrated entity resource distribution device set-up and deliver platform for distribution of devices to an entity for resource acceptance. An entity must be activated and on-boarded to accept resource acceptance and processing. The invention creates a platform for identification of entity needs with respect to resource acceptance devices. With this information the platform generates configured resource acceptance devices for the entity with correct components and sub-components. Furthermore, the system integrate software and firmware in an appropriate sequence onto resource acceptance devices components and sub-components.

Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for providing intelligent analysis of resource transfer data in order to identify potential customers to which a merchant has not sold, where the new group of potential customers has previously purchased goods and services similar to the goods and services offered by the merchant. The system may provide recommendations to the merchant for adjusting marketing and distribution strategies and may also provide an intelligent predictive analysis of increased sales volume and efficiency.

Abstract: Systems, computer program products, and methods are described herein for real-time distributed communication channel and multiple data processing channel selection. The present invention is configured to receive, from a first user input device via a first communication channel, a request to access resources; retrieve connectivity and routing parameters associated with the first communication channel; determine communication channel requirements associated with the request to access the resources; determine that the connectivity and routing parameters associated with the first communication channel does not meet the communication channel requirements associated with the request to access the resources; capture geographic information associated with the first user input device; determine a second communication channel available to the first user input device to access the resources; and authorize the first user input device to access the resources via the second communication channel.

Abstract: Capabilities for resource event processing are increased at resource event processing apparatus through use of a peer-to-peer resource event processing network. The resource event processing apparatus receives an alias associated with a user of the peer-to-peer resource event processing network. In response, the resource event processing apparatus communicates a peer-to-peer resource event request to the peer-to-peer resource event network. In response to the peer-to-peer resource event network receiving and processing the request, the user’s mobile communication device receives peer-to-peer resource event acceptance request and, in response to the user providing an input to accept the peer-to-peer resource event, the mobile communication device communicates a peer-to-peer resource event confirmation to the peer-to-peer resource event network.

Abstract: Systems, methods, and computer program products are provided for providing data processing channels for alternative resource usage. The method includes determining a vendor data channel from potential vendor data channel(s) for processing a resource transfer with a user. The method also includes determining a vendor data channel resource value for the potential vendor data channel(s). The vendor data channel resource value is higher for a potential vendor data channel corresponding to a secondary vendor than one corresponding to the primary vendor. The method further includes adjusting a resource transfer value corresponding to the resource transfer based on the vendor data channel resource value. The method still further includes causing an execution of the resource transfer with the determined vendor data channel based on the adjusted resource transfer value in response to determining the vendor resource value is adequate to cover the adjusted resource transfer value.

Abstract: Systems, methods, and computer program products are provided for providing an electronic centralized gateway switch to a plurality of network devices. The method includes assigning a resource value to a resource received from a sending user. The resource value corresponds to a value of the resource received. The method also includes receiving a resource transfer information. The resource transfer information includes intended transfer target information corresponding to an intended transfer target account associated with an intended transfer target. The intended transfer target account is associated with one of a plurality of resource entities. The method further includes connecting to the resource entity associated with the intended transfer target account based on the resource entity associated with the intended transfer target account.

Abstract: Systems, computer program products, and methods are described herein for the parallel testing of multiple data processing channels. The present invention may be configured to generate a data packet, send the data packet to a processing channel for processing at a send time, receive the processed data from the processing channel at a return time, determine the percent accuracy for the processed data from the processing channel, and record the send time, return time, and percent accuracy in an analytics system. The present invention may also be configured to determine the security of the processing channel and record the security in the analytics system.

Abstract: Systems, computer program products, and methods are described herein for dynamic communication channel switching based on preconfigured network security protocols.

Abstract: Systems, computer program products, and methods are described herein for implementing dynamic network channel switching for secure communication. The present invention is configured to receive, from a first user input device, a resource transfer request via a first communication channel; determine, using a secure channel monitoring engine, that the first communication channel does not meet one or more preset channel requirements for secure communication; determine a second communication channel associated with a second user input device, wherein the second user input device is within a preset geographic radius of the first user input device, wherein the second user input device is associated with the resource distribution platform; trigger, via the second communication channel, the second user input device to establish a communication link with the first user input device to form an alternate communication channel; and execute, via the alternate communication channel, the resource transfer request.

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for dynamic resource interaction allocation based on geographic positioning and usage category information associated with a resource interaction system. The invention receives a base positional location and category of usage for a resource interaction system. The invention determines a set of parameters to be used for interactions having characteristics meeting the determined base positional location and category of usage information. When it receives a proposed interaction from a requesting system containing geographic information and usage category information associated with the proposed interaction, it determines whether the geographic information and usage category information associated with the proposed interaction correspond to the base positional location and category of usage for the resource interaction system.

Abstract: Systems, computer program products, and methods are described herein for real-time distributed communication channel and multiple data processing channel selection. The present invention is configured to receive, from a first user input device via a first communication channel, a request to access resources; retrieve connectivity and routing parameters associated with the first communication channel; determine communication channel requirements associated with the request to access the resources; determine that the connectivity and routing parameters associated with the first communication channel does not meet the communication channel requirements associated with the request to access the resources; capture geographic information associated with the first user input device; determine a second communication channel available to the first user input device to access the resources; and authorize the first user input device to access the resources via the second communication channel.

Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for a scheme evaluation authentication system to evaluate user action and machine learned pattern recognition for misappropriation activity prevention. In this way, bot and token deployment is utilized for identification of user actions to generate a user idiosyncrasy database. Using the database, the system creates a real-time scheme evaluation authentication for user authentication upon user attempted authentications. As such, a user may by authenticate irrespective of user inputs, but instead based on a match of user actions at the authentication location in real-time compared to the idiosyncrasy database.

Abstract: A heightened level of security is provided in a computing platform by monitoring usage of applications and/or services residing on or accessible to a computing platform to determine abnormal usage patterns. In response to determining an abnormal pattern of usage, the user is required to provide biometric data, such as voice data, facial feature data, fingerprint data or the like, as a means of authenticating the user. The abnormal pattern of usage may be determined dynamically by comparing current usage patterns to known user baseline usage patterns. Alternatively, the abnormal pattern of usage is predefined, such as the resetting of passwords in a predefined number of applications and/or services over a predefined period of time.

Abstract: Dynamic security queries are generated based on historical records for purposes of knowledge-based authentication. The dynamic nature of the queries and answers means that once generated, the queries and the answers are exclusively stored in temporary memory (i.e., Random Access Memory (RAM) or the like). As such, the queries and answers are permanently erased from RAM after they have been presented to the user or, at a maximum, are erased from RAM once the computing session is terminated. Moreover, since the queries/answers are determined from dynamic user-specific datasets compiled at the time of authentication, the present invention is able to generate knowledge-based queries that are not capable of identification by other parties from any level of personal record searching.