Abstract: A system, computer program product, and method for executing real-time processing of resource transfers using distributed ledger technology is provided. In particular, the system utilizes a private or semi-private blockchain to create a distributed ledger which comprises a record of all resource transfers between a number of entities. The real-time processing system addresses a number of computer technology-centric challenges associated with executing resource transfers. In particular, executing resource transfers on a real-time basis allows the nodes of the blockchain to more evenly distribute computing workload over time when compared to more traditional resource transfer systems that use batch processing to execute transfers.

Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for enhanced secure resource transmissions based on image capture via a resource processing terminal device. The invention provides a secure platform for transformation and structuring of resource data at a resource instrument device, and authentication of resource data, prior to initiation of a resource activity at the resource processing terminal device. Specifically, the invention is structured to construct an authorized credential element for processing of a resource activity at a first time interval prior to initiation of the resource activity. The invention is structured to execute a first resource processing activity at a subsequent time interval using the first authorized credential element, upon determining that the authorized credential element is compatible with the activity, and that the authorized credential element is pre-authenticated.

Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for enhanced secure resource transmissions based on image capture via a resource processing terminal device. The invention provides a secure platform for transformation and structuring of resource data at a resource instrument device, and authentication of resource data, prior to initiation of a resource activity at the resource processing terminal device. Specifically, the invention is structured to construct an authorized credential element for processing of a resource activity at a first time interval prior to initiation of the resource activity. The invention is structured to execute a first resource processing activity at a subsequent time interval using the first authorized credential element, upon determining that the authorized credential element is compatible with the activity, and that the authorized credential element is pre-authenticated.

Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for enhanced secure resource transmissions based on image capture via a resource processing terminal device. The invention provides a secure platform for transformation and structuring of resource data at a resource instrument device, and authentication of resource data, prior to initiation of a resource activity at the resource processing terminal device. Specifically, the invention is structured to construct an authorized credential element for processing of a resource activity at a first time interval prior to initiation of the resource activity. The invention is structured to execute a first resource processing activity at a subsequent time interval using the first authorized credential element, upon determining that the authorized credential element is compatible with the activity, and that the authorized credential element is pre-authenticated.

Abstract: Systems, computer program products, and methods are described herein for generating pre-authorized request for conditional resource transfers within a real-time resource transfer network in response to supply chain updates. The present invention is configured to electronically receive, from a computing device of a user, a request to establish a resource transfer program within a real-time payment (RTP) network, with a third party for acquisition of an item or product; generate the resource transfer program, wherein generating further comprises generating one or more requests for resource transfers (RRTs) to be fulfilled by the user; transmit control signals configured to cause the computing device of the user to display the one or more RRTs; in response, electronically receive, from the computing device of the user, an acknowledgement of the one or more RRTs; and generate a virtual dynamic resource transfer hold pre-authorizing fulfillment.

Abstract: Embodiments of the present invention provide a system for generating two-sided electronic interaction requests for completing resource transfers. In particular, the system may be configured to cause an entity system to transmit interaction data associated with an interaction between a user and a third party system, receive, from an entity system, the interaction data of the interaction associated with the user and the third party system, cause the third party system to generate a resource transfer request associated with the interaction, receive, from the third party system, the resource transfer request associated with the interaction, determine that the interaction data matches data accompanied by the resource transfer request for transfer of resources associated with the interaction, and route the resource transfer request to a settlement system to process the interaction and complete the transfer of resources associated with the interaction.

Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for flexible data routing of transactions using a single resource instrument. As such, the system results in increased flexibility of resource transfers by enabling a user to establish a virtual link between an account and a resource instrument not originally associated with said account. The user may then complete a transaction using a preferred account, despite the preferred resource instrument being not accepted or otherwise ineffective at a particular merchant. Furthermore, the system may activate data routing requests in real-time, allowing a user to rapidly complete a transaction from any location.

Abstract: Systems, computer program products, and methods are described herein for generating pre-authorized request for periodic resource transfers within a real-time resource transfer network. The present invention is configured to electronically receive, from a computing device of a user, a request to establish a resource transfer program within a real-time payment (RTP) network, with a third party for acquisition of an artifact; generate the resource transfer program, wherein generating further comprises generating one or more requests for resource transfers (RRTs) to be fulfilled by the user; transmit control signals configured to cause the computing device of the user to display the one or more RRTs; in response, electronically receive, from the computing device of the user, an acknowledgement of the one or more RRTs; and generate a virtual dynamic resource transfer hold pre-authorizing fulfillment of the one or more RRTs in response to receiving the acknowledgement from the user.

Abstract: A system, computer program product, and method for executing real-time processing of resource transfers using distributed ledger technology is provided. In particular, the system utilizes a private or semi-private blockchain to create a distributed ledger which comprises a record of all resource transfers between a number of entities. The real-time processing system addresses a number of computer technology-centric challenges associated with executing resource transfers. In particular, executing resource transfers on a real-time basis allows the nodes of the blockchain to more evenly distribute computing workload over time when compared to more traditional resource transfer systems that use batch processing to execute transfers.

Abstract: A system, computer program product, and method for executing real-time processing of resource transfers using distributed ledger technology is provided. In particular, the system utilizes a private or semi-private blockchain to create a distributed ledger which comprises a record of all resource transfers between a number of entities. The real-time processing system addresses a number of computer technology-centric challenges associated with executing resource transfers. In particular, executing resource transfers on a real-time basis allows the nodes of the blockchain to more evenly distribute computing workload over time when compared to more traditional resource transfer systems that use batch processing to execute transfers.

Abstract: Embodiments of the present invention provide a system for increasing processing efficiency through automated resource field transformation. A message with multiple resource fields is received, and a first resource field is identified as being populated with a burdensome resource element. The burdensome resource element is extracted from the first resource field, creating a slim version of the message that is processed through normal procedures to execute an associated event. The burdensome resource element is routed to a burdensome resource processing system. The burdensome resource processing system can store the burdensome resource element until the burdensome resource element is requested by a user, and then transfer the burdensome resource element to the user after specialized processing of the element.

Abstract: A closed loop processing interaction network in which the resource pool source of the user and the resource pool destination are both within the same organization or group of organizations. As such, resources associated with interactions may be distributed directly between the resource pools of the members within the interaction network without having to use the traditional processing networks. The interactions may occur through communication between user computer systems (e.g., mobile devices, or the like) and/or interaction terminals of product providers (e.g., mobile devices, or the like) that are able to handle both traditional processing, as well as closed loop processing. The closed loop interaction network improves the processing speeds, memory requirements, security, and costs associated with processing resources related to interactions.

Abstract: Embodiments of the present invention provide a system for real-time resource account verification processing for authentication of a user. The system provides a communication linkage between entities that are real-time payment network enabled participates to communication and confirm account verification. As such, via RFI messaging an entity may request verification of user resource accounts. The system may identify the entity associated with the resources, deploy a secure communication via the RFI messaging platform, and receive a verification in real-time. The system allows for performance of this communication on a backend secure RFI messaging center without third party knowledge of account verification processing. Thus limiting verification, disruption, and processing lag.

Abstract: Embodiments of the invention are directed to a system, method, or computer program product for a closed loop platform for dynamic currency conversion. In this way, the invention eliminates currency discrepancy during resource exchange and provides a dynamic currency conversion in real-time for interactions, via a closed loop platform. Using closed loop processing, the invention verifies and authorizes resource transfers, bypassing current currency conversion processing.

Abstract: Embodiments of the present invention provide a system for increasing processing efficiency through automated resource field transformation. A message with multiple resource fields is received, and a first resource field is identified as being populated with a burdensome resource element. The burdensome resource element is extracted from the first resource field, creating a slim version of the message that is processed through normal procedures to execute an associated event. The burdensome resource element is routed to a burdensome resource processing system. The burdensome resource processing system can store the burdensome resource element until the burdensome resource element is requested by a user, and then transfer the burdensome resource element to the user after specialized processing of the element.

Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for collection of and utilization of electroencephalography (EEG) data for user experience and interaction management. The invention interconnects with a network for real-time user experience modification based on user identification via EEG data. In this way, upon recognition and analysis of EEG data, the invention forms and modify a user specific experience via integration within third party systems. EEG readings are segmented, sorted, and matched to a user baseline EEG reading to identify the user and modify the user experience based on quantifiable points.

Abstract: Embodiments of the present invention provide a system for increasing processing efficiency through automated resource field transformation. A message with multiple resource fields is received, and a first resource field is identified as being populated with a burdensome resource element. The burdensome resource element is extracted from the first resource field, creating a slim version of the message that is processed through normal procedures to execute an associated event. The burdensome resource element is routed to a burdensome resource processing system. The burdensome resource processing system can store the burdensome resource element until the burdensome resource element is requested by a user, and then transfer the burdensome resource element to the user after specialized processing of the element.

Abstract: A cross-network interaction network for allowing cross-network real-time validation and interactions. The cross-network interaction network is set-up as a central location for managing interactions with resource exchanges between different real-time interaction networks. The real-time interaction networks are separate self-contained networks located within an area (e.g., country, or the like) or between different areas (e.g., different countries, or the like). Each self-contained real-time interaction network may have different systems, applications, processes, or the like that prevents the real-time interaction networks from allowing interactions outside of the real-time interaction networks. Consequently, the cross-network interaction network may set-up and utilize a messaging system, a clearing system, and/or a repository system to facilitate the interactions across the different real-time interaction networks.

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for end to end encryption on a network without using certificates. The system utilizes a correlation between two quantum particles that are entangled. In this way, data may be encrypted with the particles and transmitted to end users. Since the particles are forced to behave the same way even if they are separated, the data associated with the particles is not able to be breached. In the application encryption processing, that means the particles are not hackable and the encryption is always true and accurate. In this way, verification of application encryption occurs via particle measurement by leveraging the fact that that there is only one sender and one receiver, because they are of the same particle computation or physical end-point, instead of current encryption relying on logical end-points.

Abstract: Embodiments of the present invention provide a system for detecting unauthorized access via card characteristic verification. The present invention is configured to identify initiation of a resource distribution event via a resource distribution card at a resource distribution device, identify one or more characteristics of the resource distribution card, determine a first user associated with the resource distribution card based on the one or more characteristics, determine that the resource distribution card of the first user is associated with an issuing entity associated with a resource account of the first user based on the one or more characteristics, and authorize and process the resource distribution event based on determining that the resource distribution card is associated with the issuing entity associated with the resource account associated with the first user.