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: 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: 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 secure location and device access utilizing an ultra-wideband signal of a user device and a system device. The invention generally comprises determining that a user has entered a secure environment, wherein the secure environment comprises a safe-deposit box associated with the user, automatically generating a digital authentication key in response determining that the user has entered the secure environment, verifying the digital authentication key as being linked to the user, and transmitting instructions to a safe-deposit box to unlock and provide access during the scheduled session.

Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for onboarding digital content to a platform designed specifically for seamless creation and user-friendly management of non-fungible tokens. The invention allows for users with zero knowledge of decentralized protocols to leverage the benefits of such technologies by providing a system for uploading existing digital content, automating the creation of one or more non-fungible tokens, managing permissioned access to the non-fungible tokens, and facilitating the ownership verification of the non-fungible tokens.

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 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: 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: Embodiments of the invention are directed to a system, method, or computer program product generation and analysis of real-time resource requests via a resource platform. A resource platform is provided for receiving and automating the management and processing of resource requests submitted by entities or users. The system embraces a fully digital approach to resource request processing, analysis, authentication, and reporting. In addition, the invention allows for analysis of reconciliation data of executed resource transfers for identification of useful trends that can be used for proactive accommodation of entity policies to align with perceived user preferences.

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for dynamic resource interaction allocation based on geographic positioning and usage category information associated with a resource interaction system. The invention receives a base positional location and category of usage for a resource interaction system. The invention determines a set of parameters to be used for interactions having characteristics meeting the determined base positional location and category of usage information. When it receives a proposed interaction from a requesting system containing geographic information and usage category information associated with the proposed interaction, it determines whether the geographic information and usage category information associated with the proposed interaction correspond to the base positional location and category of usage for the resource interaction system.

Abstract: A system generates electronic alerts through predictive analysis of resource conversions. The system may continuously monitor executed resource transfers to generate historical resource transfer data. Based on the historical resource transfer data, the system may generate a predicted outcome of executing transfers of resources in a first format compared to transfers of resources in a second format. The predicted outcome may then be implemented by the system to select a resource format for transfers occurring in the future and/or at specified intervals.

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 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, 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: Embodiments of the invention are directed to systems, methods, and computer program products for advising users on resource decisioning based on real-time user feedback. The invention utilized advanced machine learning technology in order emulate the voice patterns of familiar figures and generate text-to-speech audio files containing relevant recommendations to one or more users as determined by their user resource account history or indicated preferences. The invention may further account for the user's response in resource usage patterns after the recommendation is provided via continuous monitoring of the user's resource usage history, and may use this data to adapt over time to learn which voices or emulations the user prefers.