Abstract: Embodiments of the invention are directed to a system, method, or computer program product for an identification sensor system providing real-time item negotiation information and merchant inventory communication and management. A user selects items at a merchant location and positions them inside a communication enabled container communicably linked with a user device and a merchant inventory system. Information related to the items positioned within the container such as resource amount for the item, offers associated with the item, and manufacturer information associated with the item is extracted from the inventory system and relayed to the user.

Abstract: Embodiments of the invention are directed to a system, method, or computer program product for generating communicable linkages that collectively provide a cloud-based dynamic credential selection and implementation system. The system generates a user profile containing user preferences, historic trends, and user resources based on information collected from a user and user associated accounts. The dynamic credential selection and implementation system is triggered by the user signaling the system of a proposed transaction. The system requests updated resource characteristics from resource managers. The user profile, resource characteristics and transaction characteristics are evaluated and ranked by the dynamic credential selection and implementation system before completion of the transaction, which in some embodiments requires user approval of the selected resource.

Abstract: Embodiments of the invention are directed to a system, method, or computer program product for generating communicable linkages that collectively provide a cloud-based competitive proposal system. The competitive proposal system generates a user-specific competitive proposal profile containing user preferences, historic trends, and associated resource managers based on information collected from a user and user associated accounts. The competitive proposal system is triggered by the user signaling the system of a proposed transaction. The system requests term change proposals from resource managers that collectively provide a total resource amount required by the merchant to consummate the transaction. The term change proposals are evaluated and ranked by the competitive proposal system before being transmitted as a ranked list to the user device allowing the user to select a preferred term change proposal and complete the transaction.

Abstract: Embodiments of the invention are directed to a system, method, or computer program product for generating communicable linkages that collectively provide a cloud-based dynamic credential selection and implementation system. The system generates a user profile containing user preferences, historic trends, and user resources based on information collected from a user and user associated accounts. The dynamic credential selection and implementation system is triggered by the user signaling the system of a proposed transaction. The system requests updated resource characteristics from resource managers. The user profile, resource characteristics and transaction characteristics are evaluated and ranked by the dynamic credential selection and implementation system before completion of the transaction, which in some embodiments requires user approval of the selected resource.

Abstract: Embodiments of the invention are directed to a system, method, or computer program product for generating communicable linkages that collectively provide a cloud-based dynamic credential selection and implementation system. The system generates a user profile containing user preferences, historic trends, and user resources based on information collected from a user and user associated accounts. The dynamic credential selection and implementation system is triggered by the user signaling the system of a proposed transaction. The system requests updated resource characteristics from resource managers. The user profile, resource characteristics and transaction characteristics are evaluated and ranked by the dynamic credential selection and implementation system before completion of the transaction, which in some embodiments requires user approval of the selected resource.

Abstract: Embodiments of the invention are directed to a system, method, or computer program product for generating communicable linkages that collectively provide a cloud-based dynamic credential selection and implementation system. The system generates a user profile containing user preferences, historic trends, and user resources based on information collected from a user and user associated accounts. The dynamic credential selection and implementation system is triggered by the user signaling the system of a proposed transaction. The system requests updated resource characteristics from resource managers. The user profile, resource characteristics and transaction characteristics are evaluated and ranked by the dynamic credential selection and implementation system before completion of the transaction, which in some embodiments requires user approval of the selected resource.

Abstract: Embodiments of the invention are directed to a system, method, or computer program product for an identification sensor system providing real-time item negotiation information and merchant inventory communication and management. A user selects items at a merchant location and positions them inside a communication enabled container communicably linked with a user device and a merchant inventory system. Information related to the items positioned within the container such as resource amount for the item, offers associated with the item, and manufacturer information associated with the item is extracted from the inventory system and relayed to the user.

Abstract: Embodiments of the invention are directed to a system, method, or computer program product for generating communicable linkages that collectively provide a cloud-based competitive proposal system. The competitive proposal system generates a user-specific competitive proposal profile containing user preferences, historic trends, and associated resource managers based on information collected from a user and user associated accounts. The competitive proposal system is triggered by the user signaling the system of a proposed transaction. The system requests term change proposals from resource managers that collectively provide a total resource amount required by the merchant to consummate the transaction. The term change proposals are evaluated and ranked by the competitive proposal system before being transmitted as a ranked list to the user device allowing the user to select a preferred term change proposal and complete the transaction.