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: Systems, computer program products, and methods are described herein for scanning and mapping entity portals to distribution processing systems. The present invention may be configured to scan an entity portal of a distribution processing system to generate responses of the entity portal to test distributions, where the entity portal is associated with an entity, and where the distribution processing system processes distributions for the entity. The present invention may be configured to receive, from the entity portal, responses of the entity portal to the test distributions, where the responses include data associated with distributions processed by the distribution processing system for the entity. The present invention may be configured to determine, based on the data, resources offered by the entity to users, an accounting hierarchy of the entity, and settlement procedures for processing distributions for the entity and generate a mapping of the entity portal to another distribution processing system.

Abstract: A system is provided for transfer of digital resources using an integrated resource platform. In particular, the system may comprise a networked platform that may be accessible by one or more users to access digital resources (e.g., non-fungible tokens stored on a distributed register). The platform may further display a graphical user interface through which the user may take various actions with respect to such digital resources, including the ability to view metadata associated with the resources or to transfer the resources. In this regard, the platform may integrate multiple different types of distributed registers and/or legacy computing systems such that the user may access the digital resources along with the functions associated therewith.

Abstract: Systems, computer program products, and methods are described herein for implementing dynamic network channel switching for secure communication. The present invention is configured to receive, from a first user input device, a resource transfer request via a first communication channel; determine, using a secure channel monitoring engine, that the first communication channel does not meet one or more preset channel requirements for secure communication; determine a second communication channel associated with a second user input device, wherein the second user input device is within a preset geographic radius of the first user input device, wherein the second user input device is associated with the resource distribution platform; trigger, via the second communication channel, the second user input device to establish a communication link with the first user input device to form an alternate communication channel; and execute, via the alternate communication channel, the resource transfer request.

Abstract: Systems, computer program products, and methods are described herein for dynamic communication channel switching based on preconfigured network security protocols.

Abstract: Systems, computer program products, and methods are described herein for the parallel testing of multiple data processing channels. The present invention may be configured to generate a data packet, send the data packet to a processing channel for processing at a send time, receive the processed data from the processing channel at a return time, determine the percent accuracy for the processed data from the processing channel, and record the send time, return time, and percent accuracy in an analytics system. The present invention may also be configured to determine the security of the processing channel and record the security in the analytics system.

Abstract: A universal tag linked to the content of a data file for protecting the authenticity of the data file and/or the owner/creator of a digital file. The universal tag is linked to the content in the data file via one or more input keys/seeds that are used to generate the universal tag and rely on data associated with the content. Once generated, the universal tag is registered on a distributed ledger of at least on distributed trust computing network, which acts as a source of truth to validate the universal tag and, as such, validate (i) an authenticity of the data file, and/or (ii) the user associated with the data file (e.g., rightful possessor and/or creator of the digital file).

Abstract: Systems, computer program products, and methods are described herein for real-time distributed communication channel and multiple data processing channel selection. The present invention is configured to receive, from a first user input device via a first communication channel, a request to access resources; retrieve connectivity and routing parameters associated with the first communication channel; determine communication channel requirements associated with the request to access the resources; determine that the connectivity and routing parameters associated with the first communication channel does not meet the communication channel requirements associated with the request to access the resources; capture geographic information associated with the first user input device; determine a second communication channel available to the first user input device to access the resources; and authorize the first user input device to access the resources via the second communication channel.

Abstract: Initiating the processing of resource events across disparate real-time processing networks, such as networks located international. In order to facilitate such resource events determinations are made that authorize the resource event participants to conduct the resource event across the international real-time processing networks. Once properly authorized the present invention provides for processing parameters to be determined, which may be specific to anyone of the resource participants and/or international real-time processing networks. Such processing parameters may be related to rules associated with settlement of the resource event, conversion rules for the international conversion of resources, resource sponsorship and the like. Once the resource event has been authorized and processing parameters determined, commands are sent to the respective interconnected international real-time processing networks that initiate the real-time processing of the resource event.

Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for a scheme evaluation authentication system to evaluate user action and machine learned pattern recognition for misappropriation activity prevention. In this way, bot and token deployment is utilized for identification of user actions to generate a user idiosyncrasy database. Using the database, the system creates a real-time scheme evaluation authentication for user authentication upon user attempted authentications. As such, a user may by authenticate irrespective of user inputs, but instead based on a match of user actions at the authentication location in real-time compared to the idiosyncrasy database.

Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for generation of dynamic authentication tokens for use in system-to-system transaction authorization and user identity verification. The system utilizes user biometric data to generate unique authentication tokens which are customized to a particular user. Furthermore, the system rotates not only the encryption algorithms used, but also the datasets being encrypted in order to provide a high level of security such that even if a user's biometric data was compromised, it would be highly unlikely that an attacker would be able to recreate the authentication token stemming from said biometric data at any given point in time. The system eliminates the need for user-provided authentication credentials and provides a more secure and more efficient method of authenticating data exchange between multiple systems or applications.

Abstract: Systems, computer program products, and methods are described herein for intelligent data channel selection and dynamic switching. The present invention is configured to receive a request to process a transaction; determine one or more data channels available to process the transaction; retrieve current channel state information (CSI) associated with one or more data channels; determine, using a trained machine learning model, a processing time associated with the transaction for each of the one or more data channels based on at least information associated with the transaction and the CSI associated with the one or more data channels available to process the transaction; determine, using a channel selection subsystem, a first data channel from the one or more data channels for use to process the transaction based on at least the one or more transaction times; and in response, trigger the first data channel to process the transaction.

Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for generation of dynamic authentication tokens for use in system-to-system transaction authorization and user identity verification. The system utilizes user biometric data to generate unique authentication tokens which are customized to a particular user. Furthermore, the system rotates not only the encryption algorithms used, but also the datasets being encrypted in order to provide a high level of security such that even if a user's biometric data was compromised, it would be highly unlikely that an attacker would be able to recreate the authentication token stemming from said biometric data at any given point in time. The system eliminates the need for user-provided authentication credentials and provides a more secure and more efficient method of authenticating data exchange between multiple systems or applications.

Abstract: Systems, computer program products, and methods are described herein for directing resource transfers based on resource distribution data. The present invention may be configured to receive resource distribution data associated with a plurality of resource distributions, where the resource distribution data includes a plurality of resources, a plurality of receiving locations, and a plurality of delivery locations. The present invention may be further configured to receive a target efficiency rate for transfer containers corresponding to a percentage of capacity of the transfer containers occupied while the transfer containers are transferring the resources.

Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for utilizing machine learning to calculate product replacement cycle times and predict resource transfers associated with said product replacements. As such, the system allows for receipt of resource transfer datasets which are processed along with historical datasets via a machine learning engine. The system may then identify data trends and generate predictions of future resource transfers associated with product or service lifecycles. Furthermore, the system may also identify potential merchants or other third-party systems which may be associated with the predicted future transfers.

Abstract: Embodiments of the invention are directed to a system, method, or computer program product for an integrated entity resource distribution device set-up and deliver platform for distribution of devices to an entity for resource acceptance. An entity must be activated and on-boarded to accept resource acceptance and processing. The invention creates a platform for identification of entity needs with respect to resource acceptance devices. With this information the platform generates configured resource acceptance devices for the entity with correct components and sub-components. Furthermore, the system integrate software and firmware in an appropriate sequence onto resource acceptance devices components and sub-components.

Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for providing intelligent analysis of resource transfer data in order to identify potential customers to which a merchant has not sold, where the new group of potential customers has previously purchased goods and services similar to the goods and services offered by the merchant. The system may provide recommendations to the merchant for adjusting marketing and distribution strategies and may also provide an intelligent predictive analysis of increased sales volume and efficiency.

Abstract: Systems, computer program products, and methods are described herein for real-time distributed communication channel and multiple data processing channel selection. The present invention is configured to receive, from a first user input device via a first communication channel, a request to access resources; retrieve connectivity and routing parameters associated with the first communication channel; determine communication channel requirements associated with the request to access the resources; determine that the connectivity and routing parameters associated with the first communication channel does not meet the communication channel requirements associated with the request to access the resources; capture geographic information associated with the first user input device; determine a second communication channel available to the first user input device to access the resources; and authorize the first user input device to access the resources via the second communication channel.

Abstract: Systems, computer program products, and methods are described herein for implementing dynamic network channel switching for secure communication. The present invention is configured to receive, from a first user input device, a resource transfer request via a first communication channel; determine, using a secure channel monitoring engine, that the first communication channel does not meet one or more preset channel requirements for secure communication; determine a second communication channel associated with a second user input device, wherein the second user input device is within a preset geographic radius of the first user input device, wherein the second user input device is associated with the resource distribution platform; trigger, via the second communication channel, the second user input device to establish a communication link with the first user input device to form an alternate communication channel; and execute, via the alternate communication channel, the resource transfer request.

Abstract: Systems, computer program products, and methods are described herein for dynamic communication channel switching based on preconfigured network security protocols.