Abstract: Systems, computer program products, and methods are described herein for predictive use of resources across a dispersed Internet protocol capable network connecting devices electrically attached to the network. The present invention is configured to determine a resource utilization profile associated with a first user; receive an indication from the first user to improve the resource utilization profile; initiate a first user interface, wherein the first user interface comprises one or more target resource utilization profiles associated with one or more users; receive a first user selection of a target resource utilization profile associated with the resource utilization profile that the first user wishes to change; determine one or more access paths associated with the at least one target resource utilization profile; and display on the first user computing device the one or more access paths to enable the first user to achieve the at least one target utilization profile.

Abstract: Systems, computer program products, and methods are described herein for access to a resource across a dispersed Internet protocol capable network connecting devices electrically attached to the network. The present invention is configured to receive an indication from a user to access a resource; display a first user interface on the user computing device, wherein the first user interface further comprises an option for the user to establish an authorization profile; receive a user acknowledgement to establish the authorization profile; determine one or more access paths associated with an authorization model to enable the user to establish the authorization profile; and display a second user interface on the user computing device, wherein the second user interface comprises the one or more access paths associated with the authorization model to enable the user to establish the authorization profile.