Abstract: Systems, methods, and computer program products are provided for augmented authentication using acoustic devices. The method includes receiving a transfer request including an NFT identifier from one of one or more acoustic devices. The NFT identifier corresponds to an acoustic device NFT associated with the given acoustic device and a device user. The method includes comparing the NFT identifier with one or more stored NFT identifiers to determine the given acoustic device associated with the NFT identifier. The method further includes confirming that the identity of the voice command user matches the device user associated with the acoustic device. The method still further includes causing an authentication of the transfer request upon confirming the acoustic device is associated with the voice command user.

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.

Abstract: Systems, methods, and apparatus for improving transaction security at a self-service kiosk are provided. A blank smart payment card may avoid storing sensitive identification data in an EMV chip or a magnetic stripe. The blank card may include a housing, with a wireless communication interface, microprocessor, and battery embedded in the housing. A card issuer may identify a dataset of sensitive information and apply dynamic clustering and encryption. The blank card may connect wirelessly to the issuer to obtain the encrypted clusters and store them in temporary storage. The blank card may self-authenticate to a kiosk by transmitting the encrypted clusters via a secure NFC connection. The kiosk may obtain a separate encryption key for each cluster from the issuer to decrypt and reconstruct the dataset. After every transaction, the issuer may apply new dynamic clustering to the dataset and replace the encrypted dataset stored on the blank card.

Abstract: Systems, computer program products, and methods are described herein for determining data transmission destinations across an electronic network. The method includes receiving a resource data packet to be transmitted to one of a plurality of data centers across a network. The resource data packet is associated with a user identifier that corresponds to one of one or more users. The method also includes determining a target data center for the resource data packet based on the user identifier associated with the resource data packet. One or more character of the user identifier associated with the resource data packet designates the target data center for the user associated with the user identifier of the resource data packet. The method further includes causing a transmission of the resource data packet to the target data center based on the user identifier associated with the resource data packet.

Abstract: A system for improving data security for computing devices receives a data input stream indicating changes to data security threats posed to the computing devices. The system detects, based at least in part on the changes to the data security threats, a new data security threat posed to the computing devices. The system determines one or more available data security controls that align with the new data security threat. The one or more available data security controls comprise security countermeasures available to the computing devices for resolving the new data security threat. After determining that a security vulnerability rating is greater than a threshold value, at least one of the one or more available data security controls may be automatically implemented at the computing devices.

Abstract: Various aspects of the disclosure relate to automated compliance verification systems for authenticating and verifying compliance associated with electronic transactions. A compliance verification platform may be an intermediary between an application for managing and/or recording transactions and a transaction processing platform for processing a transaction. Based on successful compliance verification and authentication, the compliance verification platform may send notifications to the transaction processing platform to process a transaction requested via the application.

Abstract: Aspects of the disclosure relate to systems for processing transactions between two entities. A transaction control platform may determine attributes associated with different transfer channels between the two entities. Based on the determined attributes, the transaction control platform may determine a transfer channel to be used for transmitting a message corresponding to the transaction. The transaction control platform may use machine learning algorithms to identify an optimal transfer channel that meets particular desired factors.

Abstract: Systems, computer program products, and methods are described herein for generating, extracting, classifying, and formatting object metadata using natural language processing in an electronic network. The present disclosure is configured to identify at least one input source, comprising at least one input data; parse the at least one input data; output, by an extraction layer, at least one product metadata and a term importance score associated with the input data to a metadata storage, the extraction layer comprising an NLP attribute extraction model; assemble, by an assignment layer, a corpus of text data and key phrases based on the product metadata from the extraction layer, the assignment layer comprising an NLP classification model; classify and verify, by the assignment layer, the product metadata; and output, by a generative layer, at least one generative metadata to the metadata storage, the generative layer comprising a pretrained generative NLP model.

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: Aspects of the disclosure relate to digital check processing. A computing platform may receive, from a first recipient, a request to transfer a first portion of funds, corresponding to the first digital check image, to a second recipient account and a second portion of the funds, corresponding to the first digital check image, to a third recipient account. The computing platform may generate second and third digital check images representative of the first and second portions of the funds respectively. Based on successful validation of the second digital check image and the third digital check image, the computing platform may embed, into the second and third digital check images, a digital chip that indicates the successful validation. The computing platform may send, to the second recipient account and the third recipient account, the second and third digital check images respectively.

Abstract: Systems, computer program products, and methods are described herein for a secure tunnel proxy with software-defined perimeter for network data transfer. The present disclosure is configured to receive sensor configuration information associated with an Internet of Things (IoT) sensor; receive information associated with an edge computing device configured to receive sensor data from the IoT sensor; configure a secure tunnel proxy between the IoT sensor and the edge computing device based on at least the sensor configuration information and the information associated with the edge computing device; and deploy the secure tunnel proxy between the IoT sensor and the edge computing device.

Abstract: A system is provided for high integrity real time processing of digital forensics data. In particular, the system may comprise a distributed electronic data register that may be hosted on a plurality of distributed servers. The distributed register may store digital forensics data within a secure data record within the distributed register. In this regard, entities or individuals who are authorized to access and/or receive the evidence may submit a digital signature to the distributed register. The system may further comprise an artificial intelligence engine that may use machine learning to identify potential anomalies in real time within the chain of evidence and trigger an alert service to transmit real time alerts to one or more systems and/or users. In this way, the system provides a more secure and efficient way to store, process, and manage digital forensics data.

Abstract: Systems, computer program products, and methods are described herein for implementing real-time resource transmission based on a trigger in a distributed electronic network.

Abstract: Leveraging secure tokenization, such as a Non-Fungible Token (NFT), for purposes of multifactor and/or elevated user authentication. In this regard, an authentication NFT is generated based at least on a user's authentication credentials. Subsequently, the authentication NFT is verified/validated via a private distributed trust computing network and stored, in a deactivated state, on a distributed ledger. Once the user is confronted with an elevated and/or multifactored authentication process, the user may initiates use of the authentication NFT by checking-out the authentication NFT from the distributed ledger and moving the authentication NFT from the deactivated state to an activated state, in which the user credentials are accessible to the user for purposes of authentication.

Abstract: Systems, computer program products, and methods are described herein for assessing cyber-based data protection exposure using artificial intelligence. The method includes compiling an assessment of cyber-based data exposure of an entity using artificial intelligence, said entity comprised of a set of cyber-based data, an internal set of cyber-based protective measures, and an external set of cyber-based protective measures. The method further includes comparing the assessment of cyber-based data exposure against an open-source database. The method further includes generating an analysis of cyber-based data protection exposure associated with the entity based on the comparison of the assessment of cyber-based data exposure against the open-source database. The analysis of cyber-based data protection exposure associated with the entity comprises an estimation of exposure of the set of cyber-based data.

Abstract: A system is provided for authenticating peer-to-peer resource exchanges using non-fungible tokens. In particular, the system may store, on a distributed register, a secure token (e.g., a non-fungible token) associated with a particular resource. Subsequently, a user who may be the owner of such resource and/or the associated token may wish to execute a peer-to-peer exchange of the resource for a second resource. The system may, in response to receiving the second resource from a second user, initiate a process to transfer ownership of the secure token to the second user. In this way, the system provides an efficient and secure way to conduct peer-to-peer resource exchanges.

Abstract: Systems, computer program products, and methods are described herein for secure apparatuses to share and deploy machine build programs utilizing unique hash tokens. The invention includes the steps of transforming a resource machine build-program into a first non-fungible token (NFT1) via a resource machine build orchestration module, embedding NFT1 into a flash drive using a flash drive preparation module, generating a second non-fungible token (NFT2) during an interaction of a resource machine with the USB flash drive via a dynamic NFT generator module, wherein NFT2 includes data representing an ownership certificate for the resource machine build owned by a vendor, generating a resultant integrated non-fungible token (NFT3) via a dynamic smart contract module, wherein NFT3 is generated by combining NFT1 and NFT2, and activating and deploying the resource machine build-program on the resource machine via a build activation module, wherein the activation is triggered by the generation of NFT3.

Abstract: Systems, computer program products, and methods for detecting and preventing malfeasant targeting of individual users in a network are provided. The method includes identifying a malfeasant communication data packet directed to a target user in a network. The method also includes causing a transmission of a malfeasant report for the target user. The malfeasant report includes information relating to previous malfeasant communication data packet(s) directed to the target user and one or more user access attributes including an access level to the network for the target user. Based on the malfeasant report and the malfeasant communication data packet, the method further includes determining a malfeasant threat level. The malfeasant threat level indicates a threat of a malfeasant communication to the target user. The method further includes causing a transmission of a malfeasant threat level alert in an instance in which the malfeasant threat level meets or exceeds a predetermined threat threshold.

Abstract: Aspects of the disclosure relate to user authentication. A computing platform may receive a plurality of facial scans of an individual. The computing platform may train, using the plurality of facial scans, a convolutional neural network (CNN) to identify the individual, based on a first facial scan of the individual, using subclasses of the CNN. The computing platform may receive an authorization request including the first facial scan of the individual. The computing platform may input the first facial scan into the CNN, which may cause the CNN to identify the individual. Based on successful identification of the individual, the computing platform may grant requested access to the individual. The computing platform may update, using the first facial scan, the CNN.

Abstract: Big data searches, statistical computation and artificial intelligence is leveraged to determine the likelihood that a user will renounce an object post-resource event. Specifically, the present invention relies on object-identifying data and user data to key a plurality of data mining searches of big data sources. In response to extracting responsive data from the big data sources, the present invention implements statistical computing to determine a go/no-go indicator that indicates either that (i) the user is unlikely to renounce (i.e., abandon, fail to use and/or return) the object post-resource event, or (ii) the user is likely to renounce (i.e., abandon, fail to use and/or return) the object post-resource event. Artificial Intelligence (AI) is used to analyze previous likelihood of renunciation determinations to determine a confidence level which is used in the statistical computation of the go/no-go indicator.