Abstract: Systems, methods, and apparatus are provided for expedited e-check processing via a universal clearance platform. In response to e-check initiation, a captured biometric marker may be uploaded to the clearance platform along with the e-check data. The platform may mint the biometric marker and e-check data as NFTs. The platform may insert the NFTs as a key-value pair in an integrated DHT. The biometric marker may be the key and the e-check data may be stored as the corresponding value. The platform may validate the key against previously captured biometric information and map the validated key to the corresponding value via an overlay network associated with the DHT. The platform may validate the retrieved e-check data against a previously captured transaction history to clear the e-check. In response to e-check clearance, the platform may route the e-check data to the ACH network to complete the transfer.

Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for dynamically altering pre-defined threshold restrictions for resource distributions, depending on results of analysis of one or more user environment factors. The invention is generally comprised of a deployable layer of intelligent models trained to response to user situations where unrestricted resource distribution may be allowed. The resulting service has ability to effectively authorize resource distribution and provide increased convenience for the user.

Abstract: Intelligent analysis and prognosis-based data partitioning orchestration for optimizing database performance. Partitioning is not limited to partitioning keys established solely based on the columns of the table being partitioned, rather analysis is undertaken on dependent tables and the past behavior of fundamental data elements in the database is assessed as a means for determining the most optimal partitioning scheme. Thus, relevant information and values in the table being partitioned, as well as dependent tables and the fundamental data elements is used to determine how likely each record/row in the table is to be subjected to a data manipulation operation. The likelihood of a data manipulation operation being performed on each record serves as the basis for assigning the record to one of a plurality of partitions.

Abstract: Intelligent analysis and prognosis-based data partitioning orchestration for optimizing database performance. Partitioning is not limited to partitioning keys established solely based on the columns of the table being partitioned, rather analysis is undertaken on dependent tables and the past behavior of fundamental data elements in the database is assessed as a means for determining the most optimal partitioning scheme. Thus, relevant information and values in the table being partitioned, as well as dependent tables and the fundamental data elements is used to determine how likely each record/row in the table is to be subjected to a data manipulation operation. The likelihood of a data manipulation operation being performed on each record serves as the basis for assigning the record to one of a plurality of partitions.