Abstract: Embodiments of the present invention removes the need for a physical interaction between a user and a user device such that the user can gesture at a certain distance from the machine in order to enter their personal verification information. This invention provides a seamless way for the user to authenticate themselves. The present invention utilizes various intelligent systems for image, video, and proximity data analysis in order to provide an intuitive touchless experience when interacting with a resource dispensing machine or resource activity processing machine to conduct various activities related to user resource accounts.

Abstract: Systems, methods, and apparatus are provided for secure check exception remediation in a metaverse environment. A metaverse application may enable interactions between an agent avatar and a customer avatar in a secure bidirectional metaverse session. Customer identity may be verified using meta-information associated with avatar appearance or behavior, device data, and/or methods of avatar control. The agent avatar and customer avatar may view a virtual representation of a defective check in the metaverse environment. The customer avatar may sign the virtual check in the metaverse environment. The signature may be captured and reproduced on a paper check by a device interfacing with the metaverse application. The metaverse application may store technical logs of the metaverse session for future reference.

Abstract: Systems, computer program products, and methods are described herein for digital identity detection and verification across virtual environments. The present invention is configured to receive, from a user input device, a request from a user to access a first virtual environment, wherein the request comprises at least an NFT; extract, from a metadata layer of the NFT, information associated with the user and transaction conditions associated with the access to the first virtual environment; validate the information associated with the user to verify user identity; determine that the transaction conditions meet one or more requirements for access to the first virtual environment; and authorize the user to access the first virtual environment based on at least validating the information associated with the user and that the transaction conditions meet the one or more requirements for access to the first virtual environment.

Abstract: Systems, computer program products, and methods are described herein for identification and recordation of base components of a resource within a virtual medium. The present invention is configured to electronically receive, from a user input device, a request to generate a non-fungible token (NFT) for a first portion of a resource; in response, retrieve information associated with the first portion of the resource; initiate an NFT engine on the first portion of the resource; generate, using the NFT engine, an NFT for the first portion of the resource, wherein the NFT comprises at least the information associated with the first portion of the resource; record the NFT in a distributed ledger; and transmit control signals configured to cause the user input device to display a notification indicating that the NFT has been generated and recorded in the distributed ledger.

Abstract: Systems, computer program products, and methods are described herein for identification and recordation of base components of a resource within a virtual medium. The present invention is configured to electronically receive, from a user input device, a request to generate a non-fungible token (NFT) for a first portion of a resource; in response, retrieve information associated with the first portion of the resource; initiate an NFT engine on the first portion of the resource; generate, using the NFT engine, an NFT for the first portion of the resource, wherein the NFT comprises at least the information associated with the first portion of the resource; record the NFT in a distributed ledger; and transmit control signals configured to cause the user input device to display a notification indicating that the NFT has been generated and recorded in the distributed ledger.

Abstract: Systems, computer program products, and methods are described herein for dynamic data encryption in an active network session. The present invention is configured to initiate an active network session with a user input device; electronically receive, from the user input device, a resource transfer request from a user, wherein the resource transfer request comprises at least one or more resource transfer parameters; trigger a dynamic data encryption (DDE) engine in response to receiving the resource transfer request; generate, using the DDE engine, a digital identifier for the resource transfer request using the one or more resource transfer parameters; execute the resource transfer request using the digital identifier; transmit control signals configured to cause the user input device to display a notification indicating that the resource transfer request has been executed; and terminate the active network session.

Abstract: Embodiments of the invention are directed to systems, methods and computer program products structured for dynamic management of stored cache data based on predictive usage information. The invention is structured for proactive alleviation of obsolete data, dynamic pre-population and fetching of cached data based on determining actions preceding initiation of activities. Specifically, the invention is configured to detect, via a proactive processor application, a first access event via a first network device associated with a first communication channel at a first time interval, such that the first access event is detected prior to initiation of a first technology activity event by the user. The invention is also structured to populate the first adapted hierarchical cache data object for use at a technology application associated with the first network device prior to the initiation of the first technology activity event by the user.

Abstract: Embodiments of the invention are directed to systems, methods and computer program products structured for dynamic management of stored cache data based on usage information. The invention is structured for light-weight granular data caching based on construction of adapted hierarchical data objects with improved indexing, for reducing memory and processing burdens on data caching servers and reducing turnaround time for activity execution. Specifically, the invention is configured to trigger, via the proactive processor, retrieval of truncated technology data for caching from a usage database based on the adapted truncated cache data retrieval command; and construct a plurality of adapted hierarchical cache data objects, for each of the plurality of users, and cache the constructed plurality of adapted hierarchical cache data objects, for each of the plurality of users, in the distributed cache layer in a distributed cache layer.

Abstract: Systems and methods for providing an integrated secondary communication network are provided. A method may include receiving an indication of a pre-determined trigger event, and presenting, via a user interface of a smart card, an option to perform a limited subset of a set of financial services. The set of financial services may be provided to a user of the smart card by a financial institution in connection with an account to which the smart card is keyed. The method may include the smart card bypassing the primary communication network, in response to receipt of a selection to perform a service from the limited subset of the set of financial services, and transmitting, via a transmitter of the smart card to a gateway of the secondary communication network, communication packets requesting the service.

Abstract: Aspects of the disclosure relate to light-weight and secure payment processing using low-power wide-area network technology. A mobile device may detect communication conditions associated with a payment transaction based on one or more parameters. The mobile device may identify applicability of LPWAN communication based on the communication conditions. Based on identifying the applicability of low-power wide-area network communication, the mobile device may identify a payment terminal within a threshold proximity of the mobile device. The mobile device may connect to the payment terminal via a low-power wide-area network protocol. The mobile device may transmit, via the low-power wide-area network protocol, a request to initiate the payment transaction at the payment terminal. The mobile device may cause the payment transaction to be executed using the low-power wide-area network protocol.

Abstract: An illustrative computing system for securely managing security information receives a request for security information. The computing system acquires the security information associated with the user and embeds the security information in a user selected image. The computing system modifies the image based on a user selected identifier to scramble the location of pixels. The computing system encrypts and transmits the image. The computing system decrypts the image at the user interface. The computing system modifies the image based on the user selected identifier to descramble the pixels. The computing system displays the image at the user interface with a plurality of images for user selection. Based on the image selected by the user, the computing system extracts security information from the image. The computing system displays the requested security information at the user interface.

Abstract: Arrangements for providing API failure detection and processing are provided. In some aspects, call logs including calls made to one or more APIs as well as a response code for each call may be received and a severity for each API may be determined. For instance, an API having a third severity may be detached from an associated application to disable functionality associated with that API. If an API is assigned a second severity, additional calls may be made to the API to confirm that the API is actually failing. The results of the additional calls may be analyzed and if a sufficient number of failures are detected, an instruction to detach the API may be generated and transmitted. In some arrangements, the error causing the failure may be remedied and the API may be reattached to the application.

Abstract: Systems, methods and apparatus are provided for a Dynamic Group Session Data Access Protocol. The system may monitor participant input in a group interactive session. The system may be trained to monitor and understand the group environment and predict intent of the participant discussion and may predict relevant data. The system may be used by a single participant or by multiple participants. The system may determine the access level of the participants. The system may determine the access level of the data. The system may compare the access level of the participants with the access level of the data. The system may dynamically mask the data if the access level of the participants does not match the access level of the data. The system may create customized views of the data for each participant based on the participant's access level and the access level of the data.

Abstract: Apparatus, systems and methods for providing a four-part, virtual reality (VR) customer service interaction between a customer service avatar operating on a VR platform and a customer using both a mobile device and a VR device are provided. Methods may include activating a VR session between the customer service avatar and the customer. Methods may include validating the VR session between the customer service avatar and the customer. Methods may include processing a co-browsing VR session request. Methods may include initiating the VR session between the customer service avatar and the customer.

Abstract: Systems, computer program products, and methods are described herein for secure location and device access utilizing an ultra-wideband signal of a user device and a system device. The invention generally comprises determining that a user has entered a secure environment, wherein the secure environment comprises a safe-deposit box associated with the user, automatically generating a digital authentication key in response determining that the user has entered the secure environment, verifying the digital authentication key as being linked to the user, and transmitting instructions to a safe-deposit box to unlock and provide access during the scheduled session.

Abstract: Arrangements for transaction adapter control are provided. In some aspects, a user device may connect to a network in a current geographic location. The user computing device may detect that a change in geographic location has occurred based on the current geographic location. Responsive to detecting that the change in geographic location has occurred, a mobile transaction adapter associated with or unique to the current geographic location may be downloaded to the user computing device. The mobile transaction adapter may be a plug-in component to a mobile payment application on the user computing device. A request to process a transaction may be received via the mobile payment application on the user device. Upon receiving the request to process the transaction, the mobile transaction adapter may be activated and the request may be routed to the mobile transaction adapter. The requested transaction may then be processed via the mobile transaction adapter.

Abstract: Various systems, methods, and computer program products for providing data authentication for long range communications. The method includes receiving one or more local data processing indicators from a computing device of a user. The one or more local data processing indicators is based on historical information relating to data processing by the user. The method also includes comparing the one or more local data processing indicators to one or more server data processing indicators. The method further includes causing a transmission of an approval of a processing request in an instance in which the local data processing indicator(s) match the server data processing indicator(s). The processing request is related to the computing device of the user. The method still further includes causing a transmission of a notification of a potential malfeasant request in an instance in which the local data processing indicator(s) does not match the server data processing indicator(s).

Abstract: A system includes a memory and a processor. The processor is configured to determine that a user has ceased using a first device while the user was in an active user session with an application. The processor is further configured to determine a last user interface with which the user interacted on the first device and to determine user-supplied information from the last user interface. The processor is further configured to determine that the user is attempting to start a new user session with the application on a second device, and in response, display a message on the second device inquiring if the user wishes to continue with the last user interface. The processor is further configured to display a new user interface on the second device that corresponds to the last user interface and display the user-supplied information from the last user interface in the new user interface.

Abstract: Embodiments of the present invention provide a system for authenticating interactions with dynamically varying digital resources linked to resource distribution devices. In particular, the system may be configured to identify initiation of an interaction by a user, via a resource distribution device, receive a request to verify a digital resource from an entity device, wherein the digital resource is captured by the entity device from a display of the resource distribution device, verify that the digital resource matches a stored digital resource linked with the user and transmit a confirmation to the entity device, receive a completion request from an interaction server to complete the interaction, validate that the digital resource is registered to the user, determine that the validation is successful, perform multi-level authentication to authorize completion of the interaction, and complete the interaction in response to performing the multi-level authentication.

Abstract: Systems, methods, and apparatus are provided for securing transmission of sensitive data on an LPWAN network such as LoRaWAN. Long-range, low-power transmission may enable a transaction card to communicate with a financial institution server without internet or cellular connectivity. The transaction card may generate a first security key. The key may include a transaction timestamp, a random number generated by the transaction card microprocessor, a personal identifier received at the transaction card from a user, one or more card parameters, and/or any suitable factors. A long-range, low-power network server may detect the card transmission. The server may retrieve the card parameters and personal identifiers stored in association with a user account during card registration. The server may generate a second security key. Based on a match between the first security key and the second security key, the server may authenticate the transmission.