Abstract: Aspects of the disclosure relate to verifying external accounts in real-time using dynamic smart contracts. A computing platform may receive a consumer request to initiate a transaction, at an enterprise organization, with an entity associated with an account. The computing platform may use the received consumer request to generate a smart contract profile associated with the entity. The computing platform may use the smart contract profile associated with the entity to determine a trust score associated with the entity. The computing platform may gather data indicating external accounts associated with the entity. The computing platform may use the data indicating the external accounts associated with the entity to determine a confidence threshold value. The computing platform may compare the trust score associated with the entity to the confidence threshold value to verify the legitimacy of the account associated with the entity.

Abstract: Apparatus and methods disclosed herein provide technical solution for on-demand manufacturing of a payment instrument that includes an integrated circuit chip. Apparatus and methods provide technical solutions for securely validating and activating the manufactured payment instrument. The customer may submit a request to manufacture a payment instrument through an automated teller machine (“ATM”), online banking channel or mobile banking channel. Apparatus and methods allow a customer to manufacture a payment instrument at home using a 3D printer or use a 3D printer installed at an ATM. Using a secure validation methods, the newly manufactured payment instrument may be activated at an ATM.

Abstract: Apparatus and methods disclosed herein provide technical solution for on-demand manufacturing of a payment instrument that includes an integrated circuit chip. Apparatus and methods provide technical solutions for securely validating and activating the manufactured payment instrument. The customer may submit a request to manufacture a payment instrument through an automated teller machine (“ATM”), online banking channel or mobile banking channel. Apparatus and methods allow a customer to manufacture a payment instrument at home using a 3D printer or use a 3D printer installed at an ATM. Using a secure validation methods, the newly manufactured payment instrument may be activated at an ATM.

Abstract: A system includes a first data center that includes a first computing device communicatively coupled to a first database. The first computing device is configured to determine data stored in the first database to be replicated to a second database communicatively coupled to a second computing device of a remote data center. The first computing device is further configured to determine whether a point-to-point data tunnel has been established across a broadband cellular network between the first computing device and the second computing device and to establish the point-to-point data tunnel across the broadband cellular network between the first computing device and the second computing device when it is determined that the point-to-point data tunnel has not been established. The first computing device is further configured to replicate the data to the second database by transmitting the data to the second computing device across the point-to-point data tunnel.

Abstract: Aspects of the disclosure relate to isolating and reinstating nodes in a distributed ledger using proof of innocence. In some embodiments, a first plug-in embedded with the blockchain network may monitor consumer-initiated transactions submitted to an enterprise organization node to determine the legitimacy of each consumer-initiated transaction. The first plug-in may identify consumer-initiated transactions associated with malicious activity and may flag the consumer node for further analysis. A second plug-in may identify and analyze the consumer-initiated transactions associated with the consumer node to determine a proof of innocence value associated with the consumer node. The first plug-in may isolate the consumer node from the distributed ledger if the proof of innocence value exceeds a proof of innocence threshold. Alternatively, the first plug-in may permit the consumer node to remain within the distributed ledger if the proof of innocence value falls below the proof of innocence threshold.

Abstract: Systems, computer program products, and methods are described herein for enhanced authentication framework using multi-dimensional hashing. The present invention is configured to electronically receive, from a computing device of a user, a resource transfer request; retrieve, from an authentication database, a multi-dimensional hash for a first set of data files for the user and a user identification artifact; retrieve, from the computing device of the user, a second set of data files matching the user identification artifact; initiate an asynchronous hash processing engine on the second set of data files; generate, using the asynchronous hash processing engine, a multi-dimensional hash for the second set of data files; compare the multi-dimensional hash for the first set of data files with the multi-dimensional hash for the second set of data files to determine a match; and authorize the resource transfer request based on at least determining the match.

Abstract: Apparatus and methods for securing a transaction. The apparatus may include a transaction instrument. The transaction instrument may be configured to exchange transaction data to effect a transaction by engagement of a microprocessor with a transacting party. The transaction instrument may include a sensor. The sensor may be configured to sense an environmental parameter. The sensor may be in electrical communication with the microprocessor. The apparatus may run analysis using a distributed model. In the distributed model, heavy processing may be performed at the pattern registration platform, and light processing may be performed on on-board processors on the transaction instrument. The environmental parameter may be associated with one or more behaviors of the user.

Abstract: Systems, methods, and apparatus are provided for secure transaction execution at an assistive device. Assistive devices include technologies that support people with disabilities in daily tasks, such as mobility aids or vision aids. An assistive device may be preregistered with a financial institution. The financial institution may generate a first hash incorporating a customer identifier and a device identifier. At the time of transaction, an active session may be initiated with the assistive device at a POS terminal, self-service kiosk, or financial institution. The assistive device may use short range wireless communication such as NFC or UWB to transmit the customer identifier and device identifier. A second hash may be generated and compared to the first hash to authenticate the device. Following authentication, the transaction may be completed at the assistive device via user inputs to the assistive device.

Abstract: Systems, computer program products, and methods are described herein for information transfer between communication channels. The present invention is configured to electronically receive, via a first communication channel associated with an entity, information associated with a transfer of resources from a user at a first time; initiate one or more machine learning algorithms at on the information associated with the transfer of resources at the first time; generate, using the one or more machine learning algorithms, a summary of the information associated with the transfer of resources; electronically receive an indication that the user wishes to transfer to a second communication channel; and initiate a communication channel transfer protocol to transmit the summary of the information associated with the transfer of resources to the second communication channel.

Abstract: A queue management ultra-wideband (UWB) automated teller machine (ATM) transaction pre-staging systems and methods for use with an ATM server, at least one UWB-enabled wireless portable electronic device, and a plurality of UWB-enabled ATMs are disclosed. Transactions are pre-staged by the UWB-enabled devices with the ATM servers. Queue wait times at each UWB-enabled ATM can be determined based on how many transactions have been scheduled for the ATM, how many customers are currently waiting at the ATM, and what currency resources are required by the pre-staged transactions. Geographical distances between the user and the ATMs can be determined. Based on historical customer ATM usage preferences, the distance to various ATMs, and queue wait times, the ATM server may make recommendations regarding which ATM would be optimal for the customer to use to complete the pre-staged transaction.

Abstract: Timely and optimal user completion of pre-staged transactions is implemented by ultra-wideband (UWB) enabled devices at UWB-enabled ATMs. ATM information, transaction scheduling and user prioritization, transaction notifications, and/or haptic-feedback reminders are provided based on one or more real-time and/or predicted geographical locations and proximities, ATM-specific queue wait times, preference scores, historical usage, ATM resources, and/or other relevant data or preferences.

Abstract: Systems, methods, and apparatus are provided for secure transaction execution at an assistive device. Assistive devices include technologies that support people with disabilities in daily tasks, such as mobility aids or vision aids. An assistive device may be preregistered with a financial institution. The financial institution may generate a first hash incorporating a customer identifier and a device identifier. At the time of transaction, an active session may be initiated with the assistive device at a POS terminal, self-service kiosk, or financial institution. The assistive device may use short range wireless communication such as NFC or UWB to transmit the customer identifier and device identifier. A second hash may be generated and compared to the first hash to authenticate the device. Following authentication, the transaction may be completed at the assistive device via user inputs to the assistive device.

Abstract: Embodiments of the present invention provide a system for triggering cross channel data caching on network nodes. Historical event data and live event data of a user may be monitored to determine an expected event that includes one or more expected channels. An expected period of time for the expected event may also be determined. Relevant user data may then be identified from one or more systems of record and cached or otherwise compressed. One or more nodes of a network associated with each of the one or more expected channels are then identified. The cached data is then transmitted to virtual data structures associated with each of the one or more nodes. The cached data is then generally maintained in these virtual data structures on the network for the expected period of time.

Abstract: Arrangements for voice enabled event processing are provided. In some aspects, a self-service kiosk may detect a mobile device of a user and a connection may be established between the self-service kiosk and the mobile device. The user may request, via natural language data input, processing of an event, such as a transaction. The natural language data input may be captured by the mobile device of the user and transmitted to the self-service kiosk or other processing device. The natural language input may be processed to identify the requested event. Based on the processed natural language data, an event processing request may be generated. Based on processing the event, one or more event processing commands may be generated. The event processing commands may be executed to perform one or more functions associated with completion of the event processing (e.g., distributing funds, activating a deposit receptacle, or the like).

Abstract: Systems, computer program products, and methods are described herein for dynamic resource allocation based on vehicle route selection. The present invention is configured to receive an origin and a destination for a user; determine travel routes for the user; determine resource distribution entities along the one or more travel routes; determine resources associated with the resource distribution entities; display the travel routes, the resource distribution entities along each of the travel routes, and the resources associated with each of the resource distribution entities; receive a user selection of at least one of the travel routes; and distribute the resources to the computing device of the user along the at least one of the one or more travel routes selected by the user.

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for utilizing resources from multiple sources to complete a resource distribution. The invention may receive a distribution request from an entity, where the distribution request includes information identifying a first resource distribution device provided by a user to the entity, a first source associated with the user, and a request amount of resources. The invention may determine whether the requested amount of resources is greater than a first amount of resources in the first source, determine whether the first resource distribution device is associated with one or more other sources associated with the user, and determine whether a sum of the first amount of resources in the first source and a second amount of resources in the one or more other sources is greater than or equal to the requested amount of resources.

Abstract: Methods, systems, and computing platforms for mobile data communication are disclosed. Processor(s) may be configured to electronically receive a plurality of user mobile interaction data to initiate a session on processing server. The processor(s) may be configured to electronically process the user mobile interaction data with AI including predefined user activity data for actions. The processor(s) may be configured to electronically determine whether one of more of the user mobile voice data samples includes a session key data command and responsive to the session key data command, electronically initiating a biometric authentication of the user mobile voice data samples. In some implementations, the system processor(s) may be configured to electronically initiate a second computing session for the computer platform while receiving the plurality of user mobile interaction voice data.

Abstract: Embodiments of the invention are directed to a system, method, and computer program product for calibrating a brain activity morning system. The system may receive a transmission that indicates a user desires to calibrate a brain activity measuring device. The system may determine a calibration procedure appropriate for the user. The system can also store one or more settings based on the calibration procedure.

Abstract: Apparatus and methods for a payment instrument are provided. The apparatus may include a primary chip positioned on an outer face of the payment instrument and a power source. The apparatus may include a first supplementary chip, a second supplementary chip, and a third supplementary chip. Each of the first, second and third supplementary chips may be positioned within a thickness of the payment instrument and configured to draw power from the power source.

Abstract: Systems for optimized forecasting are provided. In some examples, data associated with strategy of one or more business units may be received. The strategy data may include identification of projects or goals. In some examples, industry trend data may be received and may include data associated with in-demand job skills and the like. An instruction to capture user data may be transmitted to one or more user devices of an employee user. The instruction may cause activation of one or more sensors or data capture devices. The captured user data may be received and analyzed to determine a competency of the user. Based on the strategy data, industry data and determined competency, one or more deficiencies between the resources needed to meet the business unit strategy data and the available resources may be identified. Based on the identified deficiency, one or more actions for execution may be identified and executed.