Abstract: Systems, computer program products, and methods are described herein for virtualization of non-fungible tokens. The present invention is configured to receive, via a first user input device, a resource transfer request using a virtual token from a first user, wherein the virtual token is electronically linked to an NFT of a resource transfer instrument; retrieve the NFT associated with the resource transfer instrument in response to receiving the resource transfer request; retrieve an NFT credential descriptor for the resource transfer request from a first metadata layer of the NFT associated with the resource transfer instrument; receive an authentication credential from the first user; determine whether the authentication credential matches an NFT credential descriptor that is electronically linked to the NFT associated with the resource transfer instrument; and authorize the resource transfer request based on at least determining that the authentication credential matches an NFT credential descriptor.

Abstract: Systems, computer program products, and methods are described herein for virtualization of non-fungible tokens. The present invention is configured to receive, via a first user input device, a resource transfer request using a virtual token from a first user, wherein the virtual token is electronically linked to an NFT of a resource transfer instrument; retrieve the NFT associated with the resource transfer instrument in response to receiving the resource transfer request; retrieve an NFT credential descriptor for the resource transfer request from a first metadata layer of the NFT associated with the resource transfer instrument; receive an authentication credential from the first user; determine whether the authentication credential matches an NFT credential descriptor that is electronically linked to the NFT associated with the resource transfer instrument; and authorize the resource transfer request based on at least determining that the authentication credential matches an NFT credential descriptor.

Abstract: Enhanced authentication at resource event apparatuses of a card device and, in some instances, the user of the card device. Card device-specific Non-Fungible Tokens (NFTs) are generated and, in some instance, user credential-specific NFTs are generated. The NFTs are stored within a distributed ledger of a distributed trust computing network, which provides verification as the uniqueness and authenticity of the NFTs. Once a resource event is initiated at a resource event apparatus, card device-related information and, in some instance, user credential-related information is received, and the information is compared to the corresponding NFT as a means of authenticating the card device and, in some instances, the card device and the linked user of the card device. As a result, the use of imitation card devices is prevented and, in some instances, the identity of the user of the card device is authenticated and deemed to be linked to the card device.

Abstract: With the advent of augmented reality devices becoming increasingly prevalent, accessible, and cross-compatible, there is an opportunity to leverage the capabilities of such devices in order to streamline user interactions related to complex resource activities which require elevated security and typically are only conducted on an in-person basis. The present invention provides systems and methods for securely verifying a user during an augmented reality device session for the purposes of conducting complex resource activities.

Abstract: With the advent of augmented reality devices becoming increasingly prevalent, accessible, and cross-compatible, there is an opportunity to leverage the capabilities of such devices in order to streamline user interactions related to complex resource activities which require elevated security and typically are only conducted on an in-person basis. The present invention provides systems and methods for securely verifying a user during an augmented reality device session for the purposes of conducting complex resource activities.

Abstract: Systems, computer program products, and methods are described herein for securely managing device communication. The present invention may be configured to provide, to another system, staging information including a digital certificate, a PIN, and a protocol for storing on a device, receive from the device a request to connect to an internal network after user input of the PIN, receive a digital certificate from the device, establish a wireless connection between the device and the internal network, and cause the device to delete the PIN. In some embodiments, the system is configured to permit communication from the device to the other system for a predetermined time window. In some embodiments, the system receives updates from the other system, via an external network, and the system sends the updates to the device, via the internal network.

Abstract: Enhanced authentication at resource event apparatuses of a card device and, in some instances, the user of the card device. Card device-specific Non-Fungible Tokens (NFTs) are generated and, in some instance, user credential-specific NFTs are generated. The NFTs are stored within a distributed ledger of a distributed trust computing network, which provides verification as the uniqueness and authenticity of the NFTs. Once a resource event is initiated at a resource event apparatus, card device-related information and, in some instance, user credential-related information is received, and the information is compared to the corresponding NFT as a means of authenticating the card device and, in some instances, the card device and the linked user of the card device. As a result, the use of imitation card devices is prevented and, in some instances, the identity of the user of the card device is authenticated and deemed to be linked to the card device.

Abstract: Systems, computer program products, and methods are described herein for virtualization of non-fungible tokens. The present invention is configured to receive, via a first user input device, a resource transfer request using a virtual token from a first user, wherein the virtual token is electronically linked to an NFT of a resource transfer instrument; retrieve the NFT associated with the resource transfer instrument in response to receiving the resource transfer request; retrieve an NFT credential descriptor for the resource transfer request from a first metadata layer of the NFT associated with the resource transfer instrument; receive an authentication credential from the first user; determine whether the authentication credential matches an NFT credential descriptor that is electronically linked to the NFT associated with the resource transfer instrument; and authorize the resource transfer request based on at least determining that the authentication credential matches an NFT credential descriptor.

Abstract: Systems, computer program products, and methods are described herein for initiating resource distributions from a first source retainer with a token associated with a second source retainer. The present invention may be configured to receive instructions to link a token associated with a first resource distribution instrument to a second resource distribution instrument, where the first resource distribution instrument and the second resource distribution instrument are associated with different types of source retainers and map, based on receiving the instructions, the token to the second resource distribution instrument.

Abstract: Systems, computer program products, and methods are described herein for securely managing device communication. The present invention may be configured to provide, to another system, staging information including a digital certificate, a PIN, and a protocol for storing on a device, receive from the device a request to connect to an internal network after user input of the PIN, receive a digital certificate from the device, establish a wireless connection between the device and the internal network, and cause the device to delete the PIN. In some embodiments, the system is configured to permit communication from the device to the other system for a predetermined time window. In some embodiments, the system receives updates from the other system, via an external network, and the system sends the updates to the device, via the internal network.

Abstract: Systems, computer program products, and methods are described herein for initiating resource distributions from a first source retainer with a token associated with a second source retainer. The present invention may be configured to receive instructions to link a token associated with a first resource distribution instrument to a second resource distribution instrument, where the first resource distribution instrument and the second resource distribution instrument are associated with different types of source retainers and map, based on receiving the instructions, the token to the second resource distribution instrument.

Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for resource dispensing at a computer terminal using pre-stage capabilities for a completely contactless experience for physical resource distribution. The system identifying one or more tokens within a user application at a pre-stage event, where the user is able to pre-stage a resource dispensing at a computer terminal in the future. The system may review the token selected for confidence and transmit a resource distribution request amount and a security token tied to the identified user application. Upon contactless communication with a computer terminal, the system extracts the resource distribution request information and security token. The system may confirm the resource distribution request information and security token received at pre-stage with a user current token selection and authorize the pre-staged resource distribution at the computer terminal without additional authentication.

Abstract: A transaction access point computing system may include an automated teller machine (ATM) or other transaction access point and an authentication server, a beacon device and, in some cases, a mobile device running a mobile application. The devices of the frictionless ATM computing system facilitates simplified user interaction with the ATM. As a user approaches the ATM, the mobile device may receive the beacon signal including a command to awaken the mobile application. After receipt, the mobile application may communicate an identifier to the authentication server, and the ATM may capture an image of the user. At the application server, the user image may be authenticated and confirmation returned to the ATM along with a unified user identifier. After confirmation of the additional identifier, the ATM may dispense a specified amount of currency.

Abstract: A frictionless automated teller machine (ATM) computing system may include an ATM and an authentication server, a beacon device and, in some cases, a mobile device running a mobile application. The devices of the frictionless ATM computing system facilitates simplified user interaction with the ATM. As a user approaches the ATM, the mobile device may receive the beacon signal including a command to awaken the mobile application. After receipt, the mobile application may communicate an identifier to the authentication server, and the ATM may capture an image of the user. At the application server, the user image may be authenticated and confirmation returned to the ATM. After receipt of the confirmation, the ATM may prompt the user to enter an additional identifier. Upon confirmation of the additional identifier, the ATM may dispense a specified amount of currency.

Abstract: A frictionless automated teller machine (ATM) computing system may include an ATM, an authentication server, and a mobile device running a mobile application. The devices of the frictionless ATM computing system facilitates simplified user interaction with the ATM. As a user approaches the ATM, the user may log into the mobile device, which triggers the mobile device to send a geographic location to the authentication server. The authentication server then notifies the mobile device of a close ATM. In response, the mobile device may display a user interface screen to initiate a transaction. The ATM may be woken by the authorization server or a user input to complete the transaction causing the ATM to dispense the requested amount of currency.