Abstract: A system may be configured for: analyzing resources and attributes to identify a subset of users having complementary resources; generating an integrated resource cluster comprising the subset of users; distributing resource transfer tasks from a received resource exchange request to the integrated resource cluster to dispense outbound resources; determining an inbound resource total for the integrated resource cluster; and transferring calculated resource divisions the subset of users comprising the integrated resource cluster. The system may also be configured for: monitoring actions of the user within a client application; based on monitoring the actions of the user, predicting a future user action of the user within the client application; and transmitting a command to the client application, wherein the command is configured to cause the client application to display an interface for performing the future user action.

Abstract: Apparatus and methods for providing protection from economic exploitation. The apparatus and methods may include a platform for tagging a social security number and/or other suitable identification number. The system may allow a person associated with a social security number to automatically flag and deny any product or service request associated with the social security number. The alarms are “silent,” because the alarm may initiate an institution internal process in which the customer interaction with the institution follows a normal evaluation process until an intervention can be effectively executed on behalf of the customer. This reduces the likelihood of a reaction from the customer's associate prior to completing the evaluation process. A system may provide the customer with an opportunity to electronically activate an alarm by typing keystrokes on a card reader keypad or interacting with a physical sensor on the reader, on the card, or the like.

Abstract: A system for device customization based on beacon-determined device location is provided. The system comprises: a memory device with computer-readable program code stored thereon; a communication device connected to a network; a processing device, wherein the processing device is configured to execute the computer-readable program code to: establish a beacon device at a beacon location, the beacon device defining a communication range covering an area; determine a device location of a user device; determine that the device location of the user device is within the area of the beacon device at the beacon location; based on determining the user device is within the area, generate a data stream for the user device tailored for the beacon location; and present the data stream to the user device.

Abstract: Aspects of the disclosure relate to multicomputer processing of data from social media service computing platforms and other sources with centralized event control. A first computing platform may receive a request to authorize an event from a first device as well as information from one or more social media service computing platforms. The first computing platform may determine whether or not to authorize the event and may request authorization for the event from a second device. Subsequently, the first computing platform may command a second computing platform to authorize or not authorize the event accordingly. The rules and conditions evaluated by the first computing platform in determining whether or not to authorize the event may be determined or altered by a machine learning engine of the first computing platform.

Abstract: Aspects of the disclosure relate to multicomputer processing of data from social media service computing platforms and other sources with centralized event control. An event control computing platform may receive information from one or more social media service computing platforms. Subsequently, the event control computing platform may identify, based on the received information, whether a change should be made to user data associated with a user identifiable by the received information. If the information indicates that a change should be made to the user data, then the event control computing platform may extract metadata from the received information to verify the accuracy of the received information. When the metadata verifies the accuracy of the received information, the event control computing platform may generate a command configured to cause a change to the user data and then may transmit the generated command to an event validation computing platform.

Abstract: Apparatus and methods for providing protection from economic exploitation. The apparatus and methods may include a platform for tagging a social security number and/or other suitable identification number. The system may allow a person associated with a social security number to automatically flag and deny any product or service request associated with the social security number. The alarms are “silent,” because the alarm may initiate an institution internal process in which the customer interaction with the institution follows a normal diligence process until an intervention can be effectively executed on behalf of the customer. This reduces the likelihood of a reaction from the customer's associate prior to completing the diligence process. A system may provide the customer with an opportunity to electronically activate an alarm by typing keystrokes on a card reader keypad or interacting with a physical sensor on the reader, on the card, or the like.

Abstract: Apparatus and methods for providing protection from economic exploitation. The apparatus and methods may include a platform for tagging a social security number and/or other suitable identification number. The system may allow a person associated with a social security number to automatically flag and deny any product or service request associated with the social security number. The alarms are “silent,” because the alarm may initiate an institution internal process in which the customer interaction with the institution follows a normal diligence process until an intervention can be effectively executed on behalf of the customer. This reduces the likelihood of a reaction from the customer's associate prior to completing the diligence process. A system may provide the customer with an opportunity to electronically activate an alarm by typing keystrokes on a card reader keypad or interacting with a physical sensor on the reader, on the card, or the like.

Abstract: A dual-pin payment instrument is provided. The payment instrument may provide a user access to funds made donated to the user. The payment instrument may include a first set of credentials that provide access to funds/credit owned by the user. The payment instrument may include a second set of credentials that provide access to funds/credit donated to the user. To an onlooker, use of the payment instrument may not appear any different than typical payment instrument use. However an ability to access donated funds/credit may provide the user access to the donated funds/credit in a respectful manner.

Abstract: Apparatus and methods for providing protection from economic exploitation. The apparatus and methods may include a platform for tagging a social security number and/or other suitable identification number. The system may allow a person associated with a social security number to automatically flag and deny any product or service request associated with the social security number. The alarms are “silent,” because the alarm may initiate an institution internal process in which the customer interaction with the institution follows a normal evaluation process until an intervention can be effectively executed on behalf of the customer. This reduces the likelihood of a reaction from the customer's associate prior to completing the evaluation process. A system may provide the customer with an opportunity to electronically activate an alarm by typing keystrokes on a card reader keypad or interacting with a physical sensor on the reader, on the card, or the like.

Abstract: Systems and computer-readable media are disclosed for utilizing one or more data sources to generate a customized user interface. A first set of services and operations may be generated. Each service and operation in the first set of services and operations may be ranked based on an analysis of user engagement data. A second set of services and operations may be generated based on the ranking of each service and operation in the first set. Client-side instructions to render the second set of services and operations may be transmitted to a user device.

Abstract: An augmented reality user device includes a display, a physical identification verification engine, a gesture confirmation engine, and in interface. The display overlays a virtual file document onto a tangible object. The physical identification verification engine receives biometric data for a witness and confirms the witness's identity. The display displays a gesture motion from the signor. The gesture capture engine captures a gesture motion from the witness. The gesture capture engine generates a witness digital signature based on the captured gesture motion from the witness. The gesture capture engine generates a witness transfer token, the witness transfer token comprising the witness digital signature based on the captured gesture from the witness and the witness identity confirmation token. The interface communicates the witness transfer token to a server.

Abstract: Systems are provided for providing a contextualized set of help topics. A user interaction contextualization system receives a search request for help topics from a user device, responsive to which the user interaction contextualization system retrieves an uncontextualized set of help topics from a help topics index. The user interaction contextualization system may collect and analyze contextual data from various data sources, and real-time and historical user engagement data associated with the user. The user interaction contextualization system may then use the collected data to generate a contextualized set of help topics.

Abstract: Aspects of the disclosure relate to a system that provides enhanced security of information transmitted by connected devices. The system may be used to request resources from members of a donee's virtual group. Donated funds or line of credit may be loaded to the donee's digital wallet with no link to any of the donee's personal accounts. The request for resources may utilize secure correspondence between the donee and the prospective donors. The secure correspondence may be locked and prevented from being forwarded or captured via a screenshot to ensure confidentiality. If an attempt is made to forward or copy the secure correspondence, the secure correspondence may be deleted. Donated funds/line of credit may be allocated for specific use, and may not be owned by the donee until used.

Abstract: A system for connection channel adaption using robotic automation is provided. The system comprising a first processing device configured to: establish a first communication channel with a user device associated with the user; receive, via the first communication channel, a first user input from the user on the user device for interacting with an entity platform; train a robotic process automation module based on the first user input, wherein the robotic process automation module is trained to execute the first user input on the entity platform via one or more communication channels; based on detecting the termination of the first communication channel, automatically establish the second communication channel with the user device; and execute the first user input on the entity platform, wherein the robotic process automation module simulates the first user input with a user interface by interacting directly with a presentation layer of the entity platform.

Abstract: A system, computer program product, and computer-implemented method for smart contract dependent resource transfer are disclosed. The system is configured to establish a smart contract between a first storage location and a second storage location, the smart contract being configured for conditionally transferring resources between the first storage location and the second storage location; monitor the first storage location to determine that a first transfer condition has been met; based on determining that the first transfer condition has been met, automatically transfer a number of resources from the second storage location to the first storage location; determine that a second transfer condition has been met; and automatically transfer the number of resources from the first storage location to the second storage location based on determining that the second transfer condition has been met.

Abstract: Systems and methods for machine-learning (ML)-based platforms with built-in financial exploitation protection are provided. A method may include receiving, at a processor, a plurality of opt-ins from a plurality of contributors. The method may include retrieving and storing historical and contextual data. Historical data may include information on the activities of the contributors. The method may include training an ML module. The training may be based at least in part on the historical data. The method may include processing, via the processor and/or in conjunction with the ML module, a dataset. The processing may identify a potential exploitation. The identifying implements sentiment analysis in identifying the potential exploitation. The method may include generating a recovery package. The recovery package is one or more financial services that may be provided via the processor. The recovery package may mitigate the potential exploitation.

Abstract: Apparatus and methods are provided for an online banking portal having adjustable display settings for transactions executed by a credit card. The credit card may have a first user and a second user. The online baking portal may have computer-readable media for performing the method steps of storing a first display setting and a second display setting. The first display setting may define first purchase information for displaying on a user portal in connection with a credit card purchase. The second display setting may define second purchase information for displaying on a user portal in connection with a credit card purchase. The second purchase information may include less information than the first purchase information.

Abstract: Embodiments of the present invention provide a system for facilitating navigation of utilization of resources. The system is configured for identifying one or more priorities or one or more events associated with a user, generating one or more routes associated with at least one of the one or more priorities and the one or more events, transmitting the one or more routes to a user device of the user, transmitting first set of control signals to the user device to prompt the user to select at least one route of the one or more routes, receiving the at least one route from the user device, and transmitting a second set of control signals to the user device to transform the graphical user interface of the user device to display the at least one route and one or more graphics associated with the at least one route.

Abstract: Apparatus and methods for providing protection from economic exploitation. The apparatus and methods may include a platform for tagging a social security number and/or other suitable identification number. The system may allow a person associated with a social security number to automatically flag and deny any product or service request associated with the social security number. The alarms are “silent,” because the alarm may initiate an institution internal process in which the customer interaction with the institution follows a normal diligence process until an intervention can be effectively executed on behalf of the customer. This reduces the likelihood of a reaction from the customer's associate prior to completing the diligence process. A system may provide the customer with an opportunity to electronically activate an alarm by typing keystrokes on a card reader keypad or interacting with a physical sensor on the reader, on the card, or the like.

Abstract: An interaction security system for user verification utilizes co-location in order to more accurately identify a user location. The system identifies a user computer system location based a location determination component for the user computer systems. Moreover, the system identifies a resource accessory location of a resource accessory. The resource accessory location may be determined in a number of different ways, including, but not limited to, a location determination component of the resource accessory. The system may utilize a time requirement and/or a geo-location requirement in order to maintain verification of the user for a period of time and/or within a specific location. Moreover, the system may require the user to take an action with respect to the resource accessory before verifying the user location for an interaction.