Abstract: Embodiments of the present invention provide systems, apparatus, methods and/or the like for generating a resource distribution hub using for fully electronic resource distribution by using mobile device application designed to interface with an embedded Near-Field Communication (NFC) tag in a resource distribution instrument that stores instructions for processing the resource distribution authorization information. The holder (i.e., resource provider) of the resource distribution instrument can use the resource distribution instrument to communicate to a mobile communication device having an NFC reader to read the instructions and process a resource distribution according to the parameters of the mobile device application. As such, the holder (i.e., resource provider) of the resource distribution request can process the resource distribution without having to issue a credentials, aliases, pin codes, and the like conventionally used to authorizes the distribution of resources to the resource requester.

Abstract: Real-time interaction processing may allow for the exchange of resources and/or supplemental resources. The flexibility of the real-time resource exchange network allows supplemental resources to be transferred between resources pools of a single entity or between resource pools of different entities, either within a single organization or located at different organizations. The type of supplemental resources and number of supplemental resources may be converted based on the types of resource pools from which and to which the supplemental resources are being transferred.

Abstract: Embodiments of the invention are directed to a system, method, or computer program product for passive resource instant translation. The invention receives input from a user via a communicable linkage between the user and the user's passive resource collection account. Passive resources are instantly translated to resources ready for use according to a passive resource to active resource translation ratio. The converted passive resources are stored in a converted passive resource account. The invention may then identify a user request for transfer of active resources and prompt the user to select a resource account to fulfill the user request. The invention may then release active resources based on user request and input.

Abstract: Real-time interaction processing may allow for the exchange of resources and/or supplemental resources. The flexibility of the real-time resource exchange network allows supplemental resources to be transferred between resources pools of a single entity or between resource pools of different entities, either within a single organization or located at different organizations. The real-time interaction processing further allows for the creation and use of a collective resource pool to which multiple entities are allowed to contribute resources and/or supplemental resources. Each of the entities contributing resources or supplemental resources to the collective resource pool have transparency into the entities contributing to the collective resource pool, the supplemental resources and/or other resources contributed, and confirmation that the actual interaction for which the collective resource pool is being utilized was completed.

Abstract: Systems, computer program products, and methods are described herein for recurring auxiliary resource distribution. The present invention may be configured to detect a trigger event associated with a plurality of sources, where the plurality of sources includes a standard source and an auxiliary source, and where the plurality of sources is associated with a user. The present invention may be configured to transform, using a resource transformation engine and based on the trigger event, a first amount of auxiliary resources in the auxiliary source to a second amount of standard resources, deduct the first amount of auxiliary resources from a first balance of the auxiliary source, and add the second amount of standard resources to a second balance of the standard source. The present invention may be configured to perform a resource distribution using the second amount of standard resources from the standard source.

Abstract: An automated beverage brewing apparatus is provided including a controller for identifying a volume of bloom water and a bloom time for preparing a brewed beverage. A user interface provides at least one input to the controller. The controller is configured to vary the volume of the bloom water based on a type of brewed beverage and a size of brewed beverage input via the user interface.

Abstract: Embodiments of the present invention provide a system for secondary authentication via contactless distribution of dynamic resources. When an event request associated with a user is received, a prompt for event information is transmitted to a computing device. Based on the event information that is received, a determination is made that the event request requires a secondary authentication in the form of a near field communication (“NFC”) interaction between an NFC chip associated with the user and a secondary authentication device. The NFC chip associated with the user may additionally be associated with a dynamic resource value element. Once the NFC interaction is detected, a dynamic resource value is extracted and compared to an expected dynamic resource value. If the values match, then the user is authenticated for the requested event at the secondary authentication level.

Abstract: A system for automated resource transfers based on predictive electronic data analysis is provided. In particular, the system may continuously track data (e.g., as historical data) that may be sent between two entities, where the data may include resource transfer data. Based on the parameters of the resource transfer data, the system may identify a pattern within the historical data in order to set up a recurring resource transfer based on the identified pattern. In this way, the system may increase the efficiency of resource transfers executed across entities.

Abstract: An automated beverage brewing apparatus is provided including a controller for identifying a volume of bloom water and a bloom time for preparing a brewed beverage. A user interface provides at least one input to the controller. The controller is configured to vary the volume of the bloom water based on a type of brewed beverage and a size of brewed beverage input via the user interface.

Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for linked resource interactions utilizing enhanced peer-to-peer applications. In particular, the system may continuously collect resource transfer data associated with a user or resource actions conducted using a peer-to-peer payment application, and may assign a unique transaction token identifier to a specific resource action to later identify, reverse, alter, or cancel the specific resource action. In this way, the system may provide an efficient and streamlined way to execute resource actions such as refunds using a single transaction identifier, and enhance the security and integrity of peer-to-peer payment networks by ensuring resource transfers are routed to the appropriate resource accounts.

Abstract: A system provides a way to execute automatic and/or recurring resource transfers using predictive electronic data analysis. In particular, the system may continuously collect resource transfer data associated with a user. Based on the collected resource transfer data, the system may extract resource transfer patterns and subsequently generate a prediction of a resource transfer to occur in the future. In this regard, the system may use a scoring algorithm to calculate the degree of correlations between certain resource transfers. The system may then transmit one or more recommendations regarding the predicted resource transfer to the user. In this way, the system may provide an efficient way to execute resource transfers.

Abstract: Embodiments of the invention are directed facilitating an electronic resource distribution by embedding a short-range wireless tag in a resource distribution request that stores instructions for processing the resource distribution in a fully electronic processing flow. As such, the resource distribution request holder is capable of processing the request without issuing a resource distribution document to the resource requester. In additional embodiments of the invention, the short-range wireless tag further stores instructions for arranging subsequent resource distributions to the resource requester to occur without the need for the resource requester to present a resource request document.

Abstract: Embodiments of the present invention provide a system for consolidating and processing multiple resource requests. The system is configured for receiving at least two resource requests from a first user, identifying that the at least two resource requests are associated with a second user, consolidating the at least two resource requests, and processing the consolidated at least two resource requests.

Abstract: Embodiments of the present invention provide systems and methods for authentication of users and authorization of user actions, and distribution or transfer of resources based on multi-channel input via a user device or one or more auxiliary user devices, such as smart home devices. The system is further configured to perform one or more user activities, in an integrated manner, within a single interface of the user device, without requiring the user to operate disparate applications. Furthermore, the system is configured to receive user input through multiple communication channels such as a textual communication channel and an audio communication channel and store unique user patterns to form an authentication baseline for subsequent user communications.

Abstract: The invention comprises a user friendly investment strategy platform. This invention allows for a drag-and-drop platform for various sectors, strategies, vehicles, and timing in the form of blocks. This allows a user to generate any desired resource management strategy and the system may deploy the strategy as a simulated resource management action. Furthermore, the system allows for deployment of the resource action live on a resource exchange upon user authorization. The blocks include object codes that are programmed to build out any possible resource management strategy. The invention may also suggest or recommend thresholds, and other templates that allow for customization.

Abstract: The present disclosure embraces a system, methods and computer program products for the intelligent onboarding, support, education of supervised resource account users. The system, methods, and computer program products provide innovative tools for the development and management of supervised user resource accounts by a supervising user, and various embodiments providing unique pathways for resource management and education via the use of the disclosed resource management system.

Abstract: The present disclosure embraces a system, methods and computer program products for the intelligent on-boarding, support, education of non-conventional resource account users. In particular, the present disclosure includes tools for aggregation and intelligent data sharing between multiple users and associated resource accounts in order to generate a comparison between resource accounts and identify and incentivize potential earning opportunities. The competitive comparison may be continuously updated as earning opportunities are completed by the various users, and educational modules are provided via a resource account interface related to various topics of resource management responsibility for guided and reinforced learning.

Abstract: Embodiments of the invention are directed to a system, method, and computer program product for dynamically appending and transforming static activity data transmitted to a user device application. In particular, the invention provides a secure platform for dynamic restructuring and inter-connection of inline activity data. The system first determines that a first user, via a first networked device, has initiated a first electronic activity. The system then constructs and transmits a first static activity data set to a second resource application of the second networked device associated with the second user. The system then alters the transmitted first static activity data set of the first electronic activity, in response to the second user modifying an activity parameter item of the first electronic activity, in situ, prior to finalization authorization processing of the first electronic activity by a recipient system, without requiring initialization of an additional electronic activity.

Abstract: The present disclosure embraces a system, methods and computer program products for the intelligent on-boarding, support, education of supervised resource account users. The systems described herein allow for intelligent linkage of supervised resource accounts with existing accounts of a supervising user, creating tools for enhanced transfer of resources to a supervised user. The system offers interactivity and education opportunity along with resource transfers by determining resource allocation recommendations and providing goal-tracking capabilities.

Abstract: The invention comprises a user friendly investment strategy platform. This invention allows for a drag-and-drop platform for various sectors, strategies, vehicles, and timing in the form of blocks. This allows a user to generate any desired resource management strategy and the system may deploy the strategy as a simulated resource management action. Furthermore, the system allows for deployment of the resource action live on a resource exchange upon user authorization. The blocks include object codes that are programmed to build out any possible resource management strategy. The invention may also suggest or recommend risk thresholds, and other templates that allow for customization.