Abstract: Systems, computer program products, and methods are described herein for secured data analysis and synthetic identity detection in a distributed ledger network. The present invention is configured to receive an event for a predetermined set of occurrences, generate a first hash packet and a second hash packet, wherein the first hash packet is generated by applying a hashing engine to a first identifier, and wherein the second hash packet is generated by applying the hashing engine to a second identifier, generate, by a distributed ledger server, a first key pair, generate, by the member of the distributed ledger network, a second key pair, encrypt a bundle using the first public key, wherein the bundle comprises the first and second hash packets, and appending the bundle to the transaction object, wherein the transaction object is distributed to the distributed ledger network.

Abstract: Systems, computer program products, and methods are described herein for securing data transfers across multiple devices on a network. The method includes receiving a transfer identifier associated with a data transfer request. The method also includes generating a transfer record associated with the transfer identifier for the data transfer request. The transfer record indicates node(s) in which the data transfer request has transmitted. The method further includes receiving a transfer data packet associated with a receiving node. The receiving node received the data transfer request from a transmitting node. The transfer data packet includes the transfer identifier. The method still further includes causing a verification signal to be transmitted to the receiving node in an instance in which the transfer data packet is verified. The method also includes updating the transfer record based on the transfer data packet.

Abstract: Arrangements for pre-authenticating users to interactive voice response (IVR) systems are provided. In some examples, a computing device may receive and store a valid telephone number associated with an enterprise organization IVR system and an enterprise organization application programming interface (API) access key. A request to initiate a communication session with the IVR system may be received and the request may include a telephone number. If the telephone number matches the valid telephone number, an API call to the enterprise organization may be made and a one-time passcode (OTP) may be received. The telephone number may be appended to include the OTP as a suffix and the communication session with the IVR system may be initiated. The IVR system may extract the OTP and validate the OTP. If the OTP is validated, the communication session may be initiated as a pre-authenticated call.

Abstract: Arrangements for pre-authenticating users to interactive voice response (IVR) systems are provided. In some examples, a user may initiate, via an application executing on a mobile device of the user, a telephone call to an IVR system. A computing platform may intercept the call and may generate a one-time passcode (OTP). The OTP may be appended to the telephone number as a suffix and the telephone call may be initiated with the IVR system using the telephone number and appended suffix. The IVR system may extract the OTP and may validate the OTP. If the OTP is validated, the call may be initiated as a pre-authenticated call in which the IVR system might not request authentication data from the user. If the OTP is not validated, the call may be initiated as a standard call in which the IVR system may request authentication data from the user.

Abstract: Systems, computer program products, and methods are described herein for determining resource misappropriation using an advanced computational model for data analysis and automated decision-making. The present disclosure is configured to receive an interaction, wherein the interaction comprises a user and a caller; determine an instance of misappropriation during the interaction using an artificial intelligence model, wherein the instance of misappropriation comprises the caller attempting to collect sensitive information associated with the user; generate a misappropriation interface component, wherein the misappropriation interface component comprises data associated with the instance of misappropriation; and notify the user of the instance of misappropriation.

Abstract: Apparatus and methods are provided for extracting and displaying information and data from a stream of information on a pair of smart glasses. One or more content filters describing the desired information and data may be communicated to a content filtering module. The content filtering module may process the stream of information to search for the desired information and data. When the desired information is found within the stream of information, the content filtering module may highlight the desired information, while blurring all other information, within a display on the pair of smart glasses.

Abstract: A queue management ultra-wideband (UWB) automated teller machine (ATM) transaction pre-staging systems and methods for use with an ATM server, at least one UWB-enabled wireless portable electronic device, and a plurality of UWB-enabled ATMs are disclosed. Transactions are pre-staged by the UWB-enabled devices with the ATM servers. Queue wait times at each UWB-enabled ATM can be determined based on how many transactions have been scheduled for the ATM, how many customers are currently waiting at the ATM, and what currency resources are required by the pre-staged transactions. Geographical distances between the user and the ATMs can be determined. Based on historical customer ATM usage preferences, the distance to various ATMs, and queue wait times, the ATM server may make recommendations regarding which ATM would be optimal for the customer to use to complete the pre-staged transaction.

Abstract: Arrangements for optimized navigation through an application are provided. In some examples, a request for application navigation assistance may be received from a user via an application executing on a device. The request for assistance may include identification of a desired destination within the application. A destination node associated with the identified destination may be identified and a current node of the may be identified. Based on the current node and the destination node, a machine learning model may be executed to output an optimized navigation route from the current node to the destination node. One or more user interfaces may then be dynamically generated and transmitted to the user to facilitate navigation through the application from the current node to the destination node.

Abstract: Methods are provided for an artificial intelligence (“AI”) agent answering a call within a voice AI container. The methods may include the AI agent receiving the call from a human caller within the voice AI container, the call may include a query. The methods may include parsing the query to identify context associated with the query. The methods may include identifying using the context an intent of the query. The methods may include determining whether a first valid mapping stored within a backend database, located in the voice AI container, is associated with the intent of the query. The methods may include loading the first valid mapping. The methods may include navigating an agent screen using the loaded valid mapping. The methods may include gathering information required to satisfy the intent of the query. The methods may include relaying the information to the human caller.

Abstract: Systems, computer program products, and methods are described herein for secured data analysis and synthetic identity detection in a distributed ledger network. The present invention is configured to receive an event for a predetermined set of occurrences, generate a first hash packet and a second hash packet, wherein the first hash packet is generated by applying a hashing engine to a first identifier, and wherein the second hash packet is generated by applying the hashing engine to a second identifier, generate, by a distributed ledger server, a first key pair, generate, by the member of the distributed ledger network, a second key pair, encrypt a bundle using the first public key, wherein the bundle comprises the first and second hash packets, and appending the bundle to the transaction object, wherein the transaction object is distributed to the distributed ledger network.

Abstract: A color-changing smart card may be provided. The smart card may include a first layer encasing at least a front of the smart card. The smart card may include a smart chip on the front of the smart card. The smart chip may be configured for transmitting and receiving electronic communications to and from a point of sale (“POS”) device. The smart card may include microcapsules residing on a second layer of the smart card. When the microcapsules are in a rest state the first layer may have a first color. When the microcapsules are in an active state the first layer may have a second color. The microcapsules may be triggered to change the color in response to the smart chip receiving an electronic communication of a status of a transaction initiated by the smart card at the POS device.

Abstract: Systems, methods, and apparatus are provided for authenticating avatar activity in a metaverse environment. A metaverse application may enable interactions between an agent avatar and a customer avatar in a secure bidirectional metaverse session. Customer identity may be verified using meta-information associated with avatar appearance or behavior, device data, and/or methods of avatar control. The agent avatar and customer avatar may view a virtual representation of a defective check in the metaverse environment. The customer avatar may sign the virtual check in the metaverse environment. The signature may be captured and reproduced on a paper check by a device interfacing with the metaverse application. The metaverse application may store technical logs of the metaverse session for future reference.

Abstract: Arrangements for voice enabled event processing are provided. In some aspects, a self-service kiosk may detect a mobile device of a user and a connection may be established between the self-service kiosk and the mobile device. The user may request, via natural language data input, processing of an event, such as a transaction. The natural language data input may be captured by the mobile device of the user and transmitted to the self-service kiosk or other processing device. The natural language input may be processed to identify the requested event. Based on the processed natural language data, an event processing request may be generated. Based on processing the event, one or more event processing commands may be generated. The event processing commands may be executed to perform one or more functions associated with completion of the event processing (e.g., distributing funds, activating a deposit receptacle, or the like).

Abstract: Systems, computer program products, and methods are described herein for electronic resource transfers in a distributed network via network-paired resource transfer devices. The present invention is configured to receive login credentials from a user via a user interface of an endpoint device to access an account, determine, in response to a prompt by the user, at least one network device on a wireless network, wherein the at least one network device may include a resource transfer device, display the resource transfer device on the user interface, receive a selection of the resource transfer device via the user interface, activate a user characteristic authentication feature of the resource transfer device, and receive a signal of an authenticated user characteristic from the resource transfer device.

Abstract: An electronic bill may be generated, transmitted, and paid remotely at a POS using a UWB-compatible user device. The location of the user device may be detected leveraging UWB technology at the POS. The bill may be pushed to the user device over a MEMS network of sensor nodes at the POS. An optimal route over the sensor nodes may be selected so that the electronic bill is directed to a sensor node in proximity to the user device. The selected route may minimize the number of sensor nodes over which the bill must pass. The route may be dynamically changed when the user device is moved from one location to another at the POS. The customer may specify an electronic payment method in response to receiving the bill or the customer may have pre-specified the payment method. An electronic confirmation of payment may be transmitted to the POS.

Abstract: Systems, methods, and apparatus are provided for authenticating avatar activity in a metaverse environment. A metaverse application may enable interactions between an agent avatar and a customer avatar in a secure bidirectional metaverse session. Customer identity may be verified using meta-information associated with avatar appearance or behavior, device data, and/or methods of avatar control. The agent avatar and customer avatar may view a virtual representation of a defective check in the metaverse environment. The customer avatar may sign the virtual check in the metaverse environment. The signature may be captured and reproduced on a paper check by a device interfacing with the metaverse application. The metaverse application may store technical logs of the metaverse session for future reference.

Abstract: Systems, methods, and apparatus are provided for safe deposit box protocols in a metaverse environment. A metaverse application may enable interactions between an agent avatar and a customer avatar in a secure bidirectional metaverse session. Customer identity may be verified using meta-information associated with avatar appearance or behavior, device data, and/or methods of avatar control. The customer avatar may view a virtual representation or video stream of physical safe deposit box contents in the metaverse environment. In some embodiments, the customer avatar may request a camera adjustment at the physical safe deposit box. In some embodiments, the customer avatar may sign a virtual document in the metaverse environment. The signature may be captured and reproduced on a paper document by a device interfacing with the metaverse application. The metaverse application may store technical logs of the metaverse session for future reference.

Abstract: Smart glasses may be used for intelligent UI webpage optimization leveraging UI and viewer extraction telemetry. The smart glasses may include an eyeball tracking device. Methods may include tracking the movement of the eye of a user on the UI webpage. Methods may further include capturing a segment of data within the movement of the eye of a user on a UI webpage and storing the segment of data in memory on the smart glasses. Methods may also include updating the UI webpage based on an instruction in the data segment transmitted to the UI. Additionally, methods may include autofilling the data segment at the point of user eye movement on the UI webpage. Eyeball movement data may transfer from the smart glasses to UI webpage code.

Abstract: Timely and optimal user completion of pre-staged transactions is implemented by ultra-wideband (UWB) enabled devices at UWB-enabled ATMs. ATM information, transaction scheduling and user prioritization, transaction notifications, and/or haptic-feedback reminders are provided based on one or more real-time and/or predicted geographical locations and proximities, ATM-specific queue wait times, preference scores, historical usage, ATM resources, and/or other relevant data or preferences.

Abstract: Apparatus and methods are provided for extracting and displaying information and data from a stream of information on a pair of smart glasses. One or more content filters describing the desired information and data may be communicated to a content filtering module. The content filtering module may process the stream of information to search for the desired information and data. When the desired information is found within the stream of information, the content filtering module may highlight the desired information, while blurring all other information, within a display on the pair of smart glasses.