Abstract: Systems and methods perform predictive analytics using analytical tool(s) on an aggregation of user action history data. A cluster model classifies action(s) previously entered into by a user, including scoring the action(s) previously entered into by the user. A predicted action score predicted to be currently applied to at least one of the action(s) previously entered into by the user is programmatically generated. Predicted user reaction(s) of the user resulting from providing, via a digital platform, the user with recommended user action(s) are programmatically simulated, the simulating identifying a preferred recommended user action capable of being at least partially performed by the user across a network via the digital platform. Program instructions determine that the user is accessing, via a user interface of a user device, the digital platform to perform user action(s), and display, via the user interface, the preferred recommended user action.

Abstract: Systems and methods include program instructions to identify that a user is accessing, via a user interface of a user device, a user interaction aggregator of a digital platform to perform user interaction(s) across a network, each user interaction of the one or more user interactions having specific interaction-based authentication data associated therewith to perform each user interaction. Further, program instructions access a virtual aggregation table of stored recurring electronic processes, each stored recurring electronic process having associated therewith stored interaction-based authentication data. Program instructions also display, via the user interface, an aggregation of optional user interactions for the user to perform via the digital platform, each optional user interaction being selected from the stored recurring electronic processes.

Abstract: Systems and methods include program instructions to predict that a user will utilize external source(s) to transfer at least one resource into an entity-based record. The program instructions obtain identifying information data about the external source(s), the identifying information data including user-specific authentication information data, and automatically populate one or more data entries of a virtual aggregation table that is configured to store data records of external source identification information, where the automatically populating includes storing the obtained identifying information data about the external source(s). The program instructions also determine that a user is accessing an entity-based digital platform to access optional sources for making a resource transfer. Additionally, the program instructions display, via a user interface of a user device, an aggregation of optional external sources each optional external source having a selectable input associated therewith.

Abstract: A system for secure packet recordation in multisource virtual environments includes: a computing system having one or more processor and a network connection for operatively connecting the computing system to a modeling server providing a geometric model. The computing system, upon user navigation action directed to the first modeling server, accesses the first geometric model and causes display a three dimensional virtual environment based. An asset indicium representing a virtual asset of the user and a graphical representation of a secure packet are displayed. Upon a deposit request by the user, the first virtual asset is received into the secure packet. Upon user navigation directed away from the first modeling server, display of the three dimensional virtual environment is terminated, for example as a user explores another environment. In the absence of user attention, a content record is maintained including tabulation of at least the first virtual asset.

Abstract: Disclosed are systems and methods for automatically applying resource utilization thresholds. The systems and methods allow resource utilization to be managed effectively, efficiently, and in a secure fashion. The system can utilization artificial intelligence technology to enhance the accuracy and customization of resource utilization thresholds by properly classifying resource utilization demands and applying threshold limitations directed to particular classifications of resource utilizations.

Abstract: Disclosed are systems and methods for automatically applying resource utilization thresholds. The systems and methods allow resource utilization to be managed effectively, efficiently, and in a secure fashion. The system can utilization artificial intelligence technology to enhance the accuracy and customization of resource utilization thresholds by properly classifying resource utilization demands and applying threshold limitations directed to particular classifications of resource utilizations.

Abstract: A system and method for determining user temperament. The system includes at least one processor, a communication interface communicatively coupled to the at least one processor, and a memory device storing executable code. The executable code causes the processor(s) to receive an incoming call from a user, receive audible language from the user, determine from the language properties such as: volume, content, inflection, and/or pitch, input the determined properties into an algorithm configured to rank temperament, and receive as output from the algorithm a ranking of the user's temperament. Additionally, the executable code may cause the processor to transfer the incoming call to a representative and relay the user's temperament ranking to the representative. The representative chosen for the user may be selected based on the user's temperament ranking. The system may furnish the representative with a script that correlates with the user's temperament ranking.

Abstract: A system and method for AI-generated digital images is described herein. The system includes receiving a selection of images from a user, inputting the selection of images into an algorithm, such as a generative adversarial network, to learn patterns within the images and generate a digital image. The digital image will be displayed to the user for approval or refusal. Once approved, the generated digital image can be used to personalize a user's device.

Abstract: In a bidirectional user interaction in a graphically simulated environment, a network connection operatively connects a computing system to at least one user device. The computing system performs steps including: causing display, on the user device, of a simulated agent of a first entity in the three dimensional virtual environment; controlling the simulated agent to engage a user represented by a user customized graphical indicium in the three dimensional virtual environment; conducting a bidirectional communication session with the user via the simulated agent and the user customized graphical indicium in the three dimensional virtual environment; receiving a request from the user regarding at least one service of multiple services made available at least in part by the first entity; and disseminating at least a first information item associated with the at least one service.

Abstract: A method and system for enabling a user to hide or rename an item in a list of items. The user identifies an item or a set of related items and then designates whether to hide or rename the item(s). The hiding or renaming can be applied to printed lists or to lists displayed in online systems, or both. Various options exist for footnoting the hidden or renamed item, and for compensating for hidden items in printed lists. Original item data including date, description and other information are always retained in the database.

Abstract: A computing system and a method remotely generate documents wherein a user establishes communication with the computing system from a user device and is instructed to enter the information in a document template displayed on the user device. The user device is enabled to select a document type and a document format. The document types include a conventional check and a cashier's check. The document formats include a printed hard copy and an electronic document.