Abstract: An apparatus and method for using a data mesh to structure unstructured data is provided.

Abstract: Systems for using a digital replication of a series transaction blockchain to identify web resource sources associated with a given transaction. Transactions may include web resources. The web resources may be sourced to web sources. The digital replication may enable tracing and mapping of web resources to their corresponding web sources. Using the digital mapping of web resource sources, a schematic lineage may be created of the web resource sources. The schematic lineage may be used to track web resources, populate lost data points and/or to create a three-dimensional view of the mapping.

Abstract: A processor is configured to access a virtual environment comprising a plurality of virtual locations. The processor is configured to generate a primary avatar in a first virtual location based on a superset of the user data associated with a first set of the interaction criteria objects. The processor is configured to receive an interaction request from a user device for an interaction with the entity in a second virtual location. The processor is configured to generate a secondary set of user data based on the superset of the user data and the second set of the interaction criteria objects. The processor is configured to generate a secondary avatar associated with the user device in the second virtual location. The processor is further configured to conduct the interaction between the secondary avatar and the entity in the second virtual location based on the second set of the interaction criteria objects.

Abstract: A system for facilitating offline processing of electronic transactions at an ATM when the ATM does not support a network connection may be provided. The system may include a mobile device configured to store an updatable account balance of a personal account associated with a user of the mobile device and transaction data associated with a plurality of transactions executed via the mobile device. The system may include the ATM being configured to operate in an offline processing mode when the network connection is unsupported. The offline processing mode may include the ATM receiving a transaction request and account data from the mobile device. The ATM may be configured to authenticate or deny the executing of the transaction request based on a predetermined threshold of transaction locations positioned at a distance greater than or less than a pre-determined distance from the ATM.

Abstract: Aspects of the disclosure relate to logical map generation and injection. A computing platform may train a key value engine to assign logical map data priority values based on data use cases. The computing platform may receive first data and a first use case, which the computing platform may input into the key value engine to produce the logical map data priority values for the first data. The computing platform may generate, based on the logical map data priority values, a logical map for the first data. The computing platform may modify the first data by embedding, into a header of the first data, the logical map. The computing platform may send, to a recipient computing device, a portion of the modified first data and one or more commands to re-assemble the first data using the logical map stored in the portion of the modified first data.

Abstract: A system for facilitating offline processing of electronic transactions at an ATM when the ATM does not support a network connection may be provided. The system may include a mobile device configured to store an updatable account balance of a personal account associated with a user of the mobile device and transaction data associated with a plurality of transactions executed via the mobile device. The system may include the ATM being configured to operate in an offline processing mode when the network connection is unsupported. The offline processing mode may include the ATM receiving a transaction request and account data from the mobile device. The ATM may be configured to authenticate or deny the executing of the transaction request based on a predetermined threshold of transaction locations positioned at a distance greater than or less than a pre-determined distance from the ATM.

Abstract: Arrangements for providing merchant-integrated cash withdrawal functions are provided. A request to withdraw an amount of cash may be received. In response to receiving the request, an application programming interface (API) call may be initiated to one or more merchant systems to obtain funds availability from the merchant systems. Funds availability may be received from the merchant systems and a user interface may be generated including at least one merchant system having sufficient funds to provide the requested cash to the requesting user. The user interface may be transmitted to the user computing device and selection of a merchant system to complete the transaction may be received. In response to receiving the selection, a machine-readable code may be generated and transmitted to the user computing device. The code may be scanned, the amount of cash may be dispensed to the user and a user account may be debited.

Abstract: Systems, devices, and methods for machine learning based processing of large transactions (e.g., business-to-business (B2B) fund transfers) is described. A transaction management platform may incrementally process a payment transaction based on one or more trigger points. The one or more trigger points may be based on analysis of a transaction history associated with a source account of the transaction.

Abstract: Apparatus and methods for an intelligent and automatic bill payment decisor are provided. A program may receive two or more bills payable by a user and including information. The program may provide two or more selectable wealth-creation goals to the user and receive the user's selection. The program may also receive access to an account belonging to the user. The program may analyze the two or more bills, the selected wealth-creation goals, the user account, and other information to determine which bill to pay first and in what amount. The program may then transfer funds from the user's account to pay the bill(s) as determined. The program may also negotiate with the payment recipient(s). The program may also pay one or more bills with a revolving line-of-credit.

Abstract: Systems for using a digital replication of a series transaction blockchain to identify web resource sources associated with a given transaction. Transactions may include web resources. The web resources may be sourced to web sources. The digital replication may enable tracing and mapping of web resources to their corresponding web sources. Using the digital mapping of web resource sources, a schematic lineage may be created of the web resource sources. The schematic lineage may be used to track web resources, populate lost data points and/or to create a three-dimensional view of the mapping.

Abstract: A computing platform may communicate with a device agent to receive digital system maintenance reporting, which may include information regarding steps taken to resolve issues of a digital system during a troubleshooting process. The computing platform may analyze the steps taken, and determine whether the steps resolved the troubleshooting. The computing platform may filter ineffective steps, and store steps associated with successful solutions in one or more distributed databases. The computing platform may receive information identifying a problem faced by a different system. The computing platform may analyze the distributed database to identify similar steps that successfully resolved the problem in the past, and mitigate the problem using the similar successful steps.

Abstract: A method using one or more mobile devices for transporting information from an automated teller machine (“ATM”) to a central server when the ATM does not support a network connection and, upon return of the one or more mobile devices to the ATM, updating the ATM may be provided. The method may include transporting electronic transaction data processed locally at the ATM, via a mobile device, to a location where a network connection between the mobile device and the central server may be established. When in a location including network connection, the method may include transmitting the electronic transaction data to the central server. When the mobile device is detected to have returned to be within the pre-determined range of the ATM, the method may include transmitting a data packet to the ATM, the data packet received from the central server, thereby updating the ATM of the transmittal.

Abstract: A method is provided to reduce the number of duplicates of each document that is stored within entity databases. The method may include creating discrete links and/or pointers to the location of the document already stored within an entity. The method may also include separating the document into different classification levels. The method may include storing the different parts of the documents in different locations within the entity.

Abstract: A method enabling processing electronic transactions received at the ATM when network connection with the central server is disrupted. The method may enable processing each electronic transaction received using an alternative data routing pathway. The alternative data routing pathway may leverage one or more edge devices within close proximity to the ATM to serve as a proxy for transmitting data to the central server. The one or more edge devices may be enabled to carry electronic transaction data from electronic transactions processed locally at the ATM to a location where a network connection between the one or more edge devices and the central server may be established. When in a location including network connection, the one or more edge devices may transmit the electronic transaction data to the central server.

Abstract: A method for facilitating electronic transactions between a first mobile device and a second mobile device is provided. At a central server, when internet connection is established, the method may include receiving transaction data and prior to processing an electronic transaction based on the transaction data, verifying the electronic transaction. The verifying may include retrieving a first activity log from the first mobile device and a first browser timeout history. The method may further include retrieving from the second mobile device a second activity log and a second browser timeout history. The method may further include verifying that a first mobile application was active when a browser on the first mobile device was in timeout and that a second mobile application was active when a browser on the second mobile device was in timeout.

Abstract: Arrangements for generating geo-fences for automatically authenticating a user or authorizing event processing are provided. In some examples, user data associated with a location of the user or mobile device of the user may be received. Further, data associated with successful processing of an event may be received. In some arrangements, this data may be used to generate a first geo-fence. The geo-fenced area may be considered a trusted zone within which a user may be automatically authenticated and/or events may be automatically authorized and/or processed. In some examples, additional user data may be received and analyzed using machine learning to predict second or subsequent geo-fence locations. Based on the analyzed data, one or more additional geo-fences or geo-fenced areas may be generated and interlinked with the initial geo-fence.

Abstract: A processor is configured to access a virtual environment comprising a plurality of virtual locations. The processor is configured to generate a primary avatar in a first virtual location based on a superset of the user data associated with a first set of the interaction criteria objects. The processor is configured to receive an interaction request from a user device for an interaction with the entity in a second virtual location. The processor is configured to generate a secondary set of user data based on the superset of the user data and the second set of the interaction criteria objects. The processor is configured to generate a secondary avatar associated with the user device in the second virtual location. The processor is further configured to conduct the interaction between the secondary avatar and the entity in the second virtual location based on the second set of the interaction criteria objects.

Abstract: A method is provided to reduce the number of duplicates of each document that is stored within entity databases. The method may include creating discrete links and/or pointers to the location of the document already stored within an entity. The method may also include separating the document into different classification levels. The method may include storing the different parts of the documents in different locations within the entity.

Abstract: A computing platform having at least one processor, a memory, and a communication interface may receive, via the communication interface, a transaction request from a participant. The computing platform may identify a user and one or more linked digital wallets associated with the transaction request. The computing platform then may execute an algorithm for comparing the transaction request to predetermined criteria associated with the one or more linked digital wallets. The computing platform may establish, via the communication interface, a first connection with a user computing device and, while the first connection is established, transmit to the user computing device transaction information which, when executed by the user computing device, causes a notification to be displayed on the user computing device.

Abstract: Systems, methods, and apparatus for machine learning task compartmentalization and classification are disclosed. An example method comprises receiving, from a first computing device, user defined parameters associated with at least one user, receiving, from a second computing device different from the first computing device, auxiliary data associated with the at least one user, generating, by a third computing device, at least one work profile based on the received user defined parameters and auxiliary data, and determining, by the third computing device, an affinity between a task component and the generated at least one work profile.