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: An apparatus for using a validated card in a virtual environment comprises a processor associated with a server. The processor is configured to receive a request to conduct an interaction between a first avatar and an entity in a virtual environment. The processor is further configured to receive card information and device information from an unknown user device. The processor is further configured to verify that the unknown user device is a first user device. The processor is further configured to receive virtual session information that is associated with a virtual environment session. The processor is further configured to determine if the request to conduct the interaction occurred in the same virtual environment session as the reception of the card information. The processor is further configured to conduct the interaction between the first avatar and the entity with the received card information.

Abstract: Embodiments of the present invention provide a system for interconnection, translation, and transition between disparate digital ecosystems. The system is configured for determining that a user is requesting to access a first digital ecosystem, receiving a first authentication credentials of the user from the first digital ecosystem for verification, determining that the verification of the first authentication credentials is successful and provide access to the first digital ecosystem, determining that the user is requesting transition to a second digital ecosystem from the first digital ecosystem, receiving second authentication credentials of the user from the second digital ecosystem for verification, determining that the verification of the second authentication credentials is successful and provide access to the second digital ecosystem, and preparing and transmitting a data payload to the second digital ecosystem.

Abstract: Systems, computer program products, and methods are described herein for digital identity detection and verification when traversing between virtual environments. The present invention is configured to receive, from a user input device, a request from a user to traverse from a first virtual environment to a second virtual environment using an NFT identifier; retrieve, using an NFT navigation engine, an NFT from a distributed ledger based on at least the NFT identifier; extract, from a metadata layer of the NFT, information associated with the user and transaction conditions associated with traversing from the first virtual environment to the second virtual environment; and authorize, using an access management engine, the user to traverse from the first virtual environment to the second virtual environment based on at least the information associated with the user and the transaction conditions.

Abstract: Systems, computer program products, and methods are described herein for digital identity detection and verification across virtual environments. The present invention is configured to receive, from a user input device, a request from a user to access a first virtual environment, wherein the request comprises at least an NFT; extract, from a metadata layer of the NFT, information associated with the user and transaction conditions associated with the access to the first virtual environment; validate the information associated with the user to verify user identity; determine that the transaction conditions meet one or more requirements for access to the first virtual environment; and authorize the user to access the first virtual environment based on at least validating the information associated with the user and that the transaction conditions meet the one or more requirements for access to the first virtual environment.

Abstract: Systems, computer program products, and methods are described herein for dynamic data encryption in an active network session. The present invention is configured to initiate an active network session with a user input device; electronically receive, from the user input device, a resource transfer request from a user, wherein the resource transfer request comprises at least one or more resource transfer parameters; trigger a dynamic data encryption (DDE) engine in response to receiving the resource transfer request; generate, using the DDE engine, a digital identifier for the resource transfer request using the one or more resource transfer parameters; execute the resource transfer request using the digital identifier; transmit control signals configured to cause the user input device to display a notification indicating that the resource transfer request has been executed; and terminate the active network session.

Abstract: Aspects of the disclosure relate to light-weight and secure payment processing using low-power wide-area network technology. A mobile device may detect communication conditions associated with a payment transaction based on one or more parameters. The mobile device may identify applicability of LPWAN communication based on the communication conditions. Based on identifying the applicability of low-power wide-area network communication, the mobile device may identify a payment terminal within a threshold proximity of the mobile device. The mobile device may connect to the payment terminal via a low-power wide-area network protocol. The mobile device may transmit, via the low-power wide-area network protocol, a request to initiate the payment transaction at the payment terminal. The mobile device may cause the payment transaction to be executed using the low-power wide-area network protocol.

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: 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: Arrangements for facial recognition and processing are provided. In some aspects, a request to process a transaction may be received. In response to the request, image data of the user may be captured. The image data may be analyzed using one or more facial recognition techniques. If the user cannot be identified, payment information may be requested from the user. If the user can be identified, the user may be identified and user profile data associated with the user may be retrieved. In some examples, the user profile data may include user contact information, user device identifying information, and the like. User device data may be extracted from the user profile data and a notification including an instruction to initiate payment processing may be generated. The notification may then be transmitted to the user device identified from the extracted data and the instruction may be executed to initiate payment processing.

Abstract: Embodiments of the present invention provide a system for authenticating interactions with dynamically varying digital resources linked to resource distribution devices. In particular, the system may be configured to identify initiation of an interaction by a user, via a resource distribution device, receive a request to verify a digital resource from an entity device, wherein the digital resource is captured by the entity device from a display of the resource distribution device, verify that the digital resource matches a stored digital resource linked with the user and transmit a confirmation to the entity device, receive a completion request from an interaction server to complete the interaction, validate that the digital resource is registered to the user, determine that the validation is successful, perform multi-level authentication to authorize completion of the interaction, and complete the interaction in response to performing the multi-level authentication.

Abstract: Rules and triggers for initiating and generating transactions can be dynamically and automatically created by a computing device based on learning behaviors for a knowledgebase. This knowledgebase may be created by storing historical transaction information for devices within a particular network such as an Internet of Things (IoT) network where devices are interconnected and capable of processing data and instructions. Such a network may be associated with a user or location or organization, and may conform to a specific communication protocol.

Abstract: Arrangements for smart tracking and dynamic authentication are provided. In some aspects, a user may be detected and image data of the user may be captured. The image data may be analyzed using one or more facial recognition techniques to determine whether the user is a recognized user. A connection may be established between an entity system and a user computing device and a type of connection may be transmitted to a computing platform for analysis. The computing platform may identify one or more authentication requirements based on the type of connection. The authentication requirements may be transmitted to one or more devices and executed. Authentication response data may be received and compared to prestored authentication data and, if the user is authenticated, an instruction or command causing a connection to be established between the user computing device and an entity computing device may be generated and transmitted.

Abstract: A method and apparatus for dynamically selecting a transaction processing device in a multi-device network is provided. A transaction processing device may be used to generate, approve, execute, and otherwise process transactions for devices in the multi-device network. A device selection platform may determine which of a plurality of devices is to serve as the transaction processing device based on a variety of factors such as battery life, processing power, communication connectivity, storage capacity and the like. The devices may be prioritized and ranked based on these factors. The platform may further monitor for changes in the network and dynamically update the prioritization and ranking and/or selection of the transaction processing device.

Abstract: Arrangements for smart tracking and queue management are provided. In some aspects, in response to detecting a user at an entity location, image data may be captured of the user. The image data may be analyzed using one or more facial recognition techniques to determine whether the user is a recognized user. In some examples, a user or user device may be connected to an entity computing device associated with a shopping cart or other device for capturing items for purchase. The user may gather items for purchase and purchase item data may be transmitted for analysis. In some examples, a request to checkout may be received and, in response, real-time queue data may be requested. The real-time queue data may be analyzed using a machine learning model to determine an optimal queue for the user. A notification identifying the queue may be transmitted to the entity computing device.

Abstract: Rules and triggers for initiating and generating transactions can be dynamically and automatically created by a computing device based on learning behaviors for a knowledgebase. Additionally, payment devices may be intelligently selected for transactions using various contextual attributes. Transaction generation and payment device selection may occur within a particular network such as an Internet of Things (IoT) network where devices are interconnected and capable of processing data and instructions. Such a network may be associated with a user or location or organization, and may conform to a specific communication protocol. Payment device selection may consider a variety of factors including communication security, encryption, location, and benefits.

Abstract: Arrangements for payment and recommendation control are provided. In some aspects, contextual data may be received from a user. For instance, data such as calendar data may be received and an event may be identified. Based on the event, a pre-authorized amount may be identified for payment associated with the event. The system may receive a request for payment and event details. The amount may be compared to the pre-authorized amount and, if more than the pre-authorized amount, a request for payment authorization may be transmitted to a user device. If the amount is not more than the pre-authorized amount, expected location data of the user may be received and current location data of the user may be requested from a user device. The location data may be compared and, if the locations match, the payment may be authorized and automatically processed.

Abstract: Arrangements for payment and recommendation control are provided. In some aspects, contextual data may be received from a user. For instance, data such as calendar data may be received and an event may be identified. Based on the event, a pre-authorized amount may be identified for payment associated with the event. The system may receive a request for payment and event details. The amount may be compared to the pre-authorized amount and, if more than the pre-authorized amount, a request for payment authorization may be transmitted to a user device. If the amount is not more than the pre-authorized amount, expected location data of the user may be received and current location data of the user may be requested from a user device. The location data may be compared and, if the locations match, the payment may be authorized and automatically processed.

Abstract: Arrangements for facial recognition and processing are provided. In some aspects, a request to process a transaction may be received. In response to the request, image data of the user may be captured. The image data may be analyzed using one or more facial recognition techniques. If the user cannot be identified, payment information may be requested from the user. If the user can be identified, the user may be identified and user profile data associated with the user may be retrieved. In some examples, the user profile data may include user contact information, user device identifying information, and the like. User device data may be extracted from the user profile data and a notification including an instruction to initiate payment processing may be generated. The notification may then be transmitted to the user device identified from the extracted data and the instruction may be executed to initiate payment processing.

Abstract: Arrangements for payment and recommendation control are provided. In some aspects, an event trigger and contextual data may be received from, for instance, a user device. In response to the event trigger, one or more requests for external entity data may be generated and transmitted to one or more external entity computing systems. External entity response data may be received and analyzed, with the contextual data, using machine learning, to identify one or more recommended options for a user. The one or more recommended options may be transmitted to a user computing device. In some examples, user selection of a first option may be received and a communication session may be initiated with a first external entity computing system. A scheduling request may be transmitted to the first external entity computing system and a scheduling confirmation may be received from the first external entity computing system.