Abstract: Systems for performing intelligent interactive voice recognition functions are provided. In some aspects, natural language data may be received from a plurality of users. The natural language data may be used to train a machine learning model. After training the machine learning model, additional or subsequent natural language input data may be received. The natural language data may include a user query, such as a request to obtain information from the system, to process a transaction, or the like. The natural language data may be processed to remove noise associated with the audio data. The data may then be further processed using the machine learning model to interpret the query of the user and generate an output. The output may be transmitted to the user and feedback data may be received from the user. The user-specific machine learning dataset may then be validated and/or updated based on the feedback data.

Abstract: Systems for performing intelligent interactive voice recognition functions are provided. In some aspects, natural language data may be received from a plurality of users. The natural language data may be used to generate a plurality of user-specific machine learning datasets. Subsequent natural language input data including a user query may be received. The query may be analyzed to identify the user and a user-specific machine learning dataset associated with the user may be identified. The natural language data may be processed to remove noise associated with the data and may be further processed using the identified user-specific machine learning dataset to interpret the query of the user and generate an output. The output may be transmitted to the user and feedback data may be received from the user. The user-specific machine learning dataset may then be validated and/or updated based on the feedback data.

Abstract: Systems for contactless event processing are provided. In some examples, functionality of a self-service kiosk may be requested. In response, a user may be authenticated and a first interactive user interface may be generated and displayed by the self-service kiosk. A user may capture an image of the generated first interactive user interface displayed by the self-service kiosk using, for instance, an image capture device of a user computing device. The captured image may be displayed by a display of the user computing device and the user may provide user input to the user computing device selecting a displayed option. The user input may be processed and mapped to functionality associated with the self-service kiosk. Based on the mapping, one or more instructions or commands may be generated and transmitted to the self-service kiosk. The self-service kiosk may execute the instructions or commands to execute the requested functionality.

Abstract: Aspects of the disclosure relate to identification of confidential data, in a message, and encryption of the confidential data. A computing platform may determine, based on a knowledge base, confidential data in a first message transmitted over one or more computing networks. The computing platform may encrypt the confidential data in the message. The computing platform may generate a second message based on encrypted confidential data. Further, the computing platform may update a header, corresponding to the second message, to indicate an encryption technique used for the encrypted confidential data. The computing platform may further encrypt the header of the second message, and transmit the second message.

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 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: Aspects of the disclosure relate to an automatic teller machine (ATM) network. A computing device may monitor operations in the ATM network. The computing device may determine an ATM refill route for a cash truck based on the monitoring the ATM network and/or based on refill notifications sent by an ATM. An ATM may communicate with a second ATM to pre-stage a user transaction at the second ATM.

Abstract: Embodiments of the invention are directed to a system, method, and computer program product for wireless communication between a brain activity morning system and a resource. The system may receive a transmission that indicates a resource account and password based on a first brain activity signal. The system determines, based on a first brain activity signal, that the first brain activity signal indicates the password associated with the resource account. The system can also perform a resource transaction with a resource distribution device.

Abstract: Embodiments of the invention are directed to a system, method, and computer program product for wireless communication between a brain activity morning system and a resource. The system first transmits a request for a password associated with a resource account based on determining a user is utilizing a brain activity measuring device. The system determines, based on a first brain activity signal, that the first brain activity signal indicates the password associated with the resource account. The system can also perform a resource transaction based on the first brain activity sign and the resource account.

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 computing system aggregates information from a plurality of information channels associated with a computing device and a user of the computing device. A user configures the access for the computing system to specific information channels at a user interface. Based on a knowledge base and by machine learning techniques, the computing system analyzes the aggregated information to identify information relevant to an intelligent action for execution on behalf of the user. The computing system identifies the intelligent action in the context of the user's preferences and permissions granted to the computing system. The computing system initiates execution of the intelligent action based on a confidence level derived from analysis of information contained the knowledge base and historical decisioning information. The computing system receives feedback for an executed action and incorporates the feedback in the knowledge base for future decisioning based on aggregated information.

Abstract: An apparatus includes a database and a processor. The database stores a set of services, each of which produces outputs when provided inputs. The processor determines a machine learning policy that can be applied to a first service to determine a descriptor file assigned to the service. The first service can produce a first output when provided a first input. The descriptor file includes the first output type and the first input type. The processor applies the machine learning policy to the set of services to determine a set of descriptor files. The processor receives a request from a user for a second service that produces a second output given a second input. The processor then locates a second descriptor file that includes the second output type and the second input type, determines a third service assigned to the descriptor file, and sends the third service to the user.

Abstract: An apparatus for conducting an interaction through established connections using ultra-wideband comprises a processor associated with a server. The processor is configured to receive a request to initiate an interaction between a grouping and an entity device associated with an entity. The processor is further configured to receive user device information for each user device in the grouping based on universal device identifiers. The processor is further configured to determine an account associated with a user based on comparing the received user device information to the stored user device information. The processor is further configured to transmit the interaction to each user device within the grouping. In response to receiving a request from one of the user devices in the grouping to split the interaction, the processor is further configured to conduct at least a first part of a split interaction with the determined account associated with the user.

Abstract: An intelligent data partitioning engine processes instructions to monitor an input queue of a cluster computing framework processing on a distributed computing system. The intelligent data partitioning engine calculates data requirements for processing of one or more program files in the input queue and determines, based on a block size and available processing resources of a plurality of nodes of the distributed computing system, a number of data partitions. Based on the data partitions, the intelligent data partitioning engine triggers execution of the one or more program files by the cluster computing framework, where the cluster computing framework is configured based on the block size and the number of data partitions and updates the data requirements for processing of the one or more program files based on feedback from the cluster computing framework corresponding to one or more previous processing runs of the one or more program files.

Abstract: Aspects of the disclosure relate to identification of confidential data, in a message, and encryption of the confidential data. A computing platform may determine, based on a knowledge base, confidential data in a first message transmitted over one or more computing networks. The computing platform may encrypt the confidential data in the message. The computing platform may generate a second message based on encrypted confidential data. Further, the computing platform may update a header, corresponding to the second message, to indicate an encryption technique used for the encrypted confidential data. The computing platform may further encrypt the header of the second message, and transmit the second message.

Abstract: Systems, computer program products, and methods are described herein for secure access and initiation using a remote terminal.

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: Embodiments of the invention are directed to systems, methods, and computer program products for adaptive dynamic multi-directional resource transmissions. The invention is structured for dynamically authenticating an activity between network devices, identifying resource deficiencies associated with network devices, and deploying adapted mitigation resources at one or more network devices in real-time, and without requiring discontinuation of the activity. Specifically, the invention is structured to determine a first resource deficiency associated with the first resource. In response, the system is structured to transmit a first adapted mitigation resource of the one or more adapted mitigation resources to the first resource in a transmission direction, triggering transmission of a first resource quantity from the first resource to an entity resource on another transmission direction.

Abstract: Systems, computer program products, and methods are described herein for implementing an enhanced authentication framework using Erasable Programmable Read-Only Memory (EPROM) grid pattern recognition.

Abstract: A computing system aggregates information from a plurality of information channels associated with a computing device and a user of the computing device. A user configures the access for the computing system to specific information channels at a user interface. Based on a knowledge base and by machine learning techniques, the computing system analyzes the aggregated information to identify information relevant to an intelligent action for execution on behalf of the user. The computing system identifies the intelligent action in the context of the user's preferences and permissions granted to the computing system. The computing system initiates execution of the intelligent action based on a confidence level derived from analysis of information contained the knowledge base and historical decisioning information. The computing system receives feedback for an executed action and incorporates the feedback in the knowledge base for future decisioning based on aggregated information.