Abstract: A data activity application, which, based on user-selected view eligibility rules, which may user-configurable via a data view eligibility matrix, determines which Systems of Record (SORs) to retrieve data from and, in response to data retrieval, subsequently aggregates the data from those SORs and presents the aggregated view of the data to the user. Since only those SORs that meet the user-selected view eligibility rules are subject to back-end network calls for purpose of data retrieval, performance, and capacity issues, otherwise experienced when the data activity application is configured to conduct back-end network calls to all available SORs for each user, are lessened.

Abstract: A data activity application, which, based on user-selected view eligibility rules, which may user-configurable via a data view eligibility matrix, determines which Systems of Record (SORs) to retrieve data from and, in response to data retrieval, subsequently aggregates the data from those SORs and presents the aggregated view of the data to the user. Since only those SORs that meet the user-selected view eligibility rules are subject to back-end network calls for purpose of data retrieval, performance, and capacity issues, otherwise experienced when the data activity application is configured to conduct back-end network calls to all available SORs for each user, are lessened.

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: Arrangements for multi-party verification are provided. In some aspects, a computing platform may receive a request to initiate a transaction. The computing platform may retrieve, from a plurality of entities, data related to connectivity between accounts involved in the transaction and/or users thereof. The computing platform may analyze the data in real-time and determine whether connectivity exists. If so, the requested transaction may be processed. If not, additional data may be retrieved from one or more public sources. The computing platform may generate an adjacency matrix based on the retrieved data that may indicate a likelihood of validity of a recipient account to the transaction (e.g., based on adjacency determined from the matrix). The computing platform may compare the likelihood of validity to a threshold and, if the threshold is met, the transaction may be processed. If not, the transaction may be denied.

Abstract: Apparatus and methods for a quantum-key secured li-fi payment network with quantum key distribution channels are provided. A customer's device may communicate, directly or through intermediate devices and computer systems, over a li-fi network with a point-of-sale terminal through two or more channels. One channel may be a standard li-fi channel. The standard li-fi channel may be secured. The second channel may be a quantum key distribution channel. A bill may be transmitted to the customer's device over the li-fi network. The customer may select an option to pay the bill. The selection, along with information to authorize and process the payment, may be transmitted over the li-fi network to the POS terminal. The POS terminal may process the payment and generate a receipt. The receipt may be transmitted to the customer's device over the li-fi network.

Abstract: A system is provided for distributed and authenticated provisioning of encrypted electronic data. In particular, the system may comprise an intelligent monitoring engine that may continuously monitor and log actions and/or requests executed by an endpoint device to identify one or more data request patterns associated with the endpoint device. Based on identifying the data request patterns, the system may transfer encrypted electronic data to the endpoint device for storage, where the encrypted electronic data may be configured with a time to live on the endpoint device. The system may further comprise an unauthorized activity monitor that may monitor the actions taken by the endpoint device to detect potentially unauthorized activity involving the endpoint device. If no unauthorized activity is detected, the system may permit the endpoint device to decrypt the encrypted electronic data to be presented to a user.

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: 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: Systems, computer program products, and methods are described herein for improving computer energy consumption and computer processing by implementing a pluggable carbon emission gateway. The present disclosure is configured to identify, by a pluggable emission gateway, at least one application programming interface request; generate at least one transaction per second load attribute; identify at least one application consumption; determine at least one emission; identify an emission threshold for the at least one emission; compare the at least one emission to the emission threshold; apply, in an instance where the at least one emission associated with the at least one API request exceeds the emission threshold, at least one API parameter adjustment for the API request; and generate an updated application by applying the at least one API parameter adjustment to at least one of the at least one application or the at least one API request.

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: A method for managing metaverse instances includes registering a physical control level for a user. The physical control level includes information about physical locations and data items that the user is allowed to access within an entity. A digital identity is generated for the user. The digital identity includes a virtual control level for an avatar of the user and allows the avatar to access a metaverse instance of a metaverse of the entity. The virtual control level is synchronized with the physical control level. Computing resources to be allocated to the metaverse instance are determined. A first instruction is sent to a metaverse server to open the metaverse instance. A second instruction is sent to the metaverse server to allocate the computing resources to the metaverse instance. A third instruction is sent to the metaverse server to generate the avatar. The avatar is allowed access to the metaverse instance.

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: 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: Systems, computer program products, and methods are described herein for improving computer energy consumption and computer processing by implementing a pluggable carbon emission gateway. The present disclosure is configured to identify, by a pluggable emission gateway, at least one application programming interface request; generate at least one transaction per second load attribute; identify at least one application consumption; determine at least one emission; identify an emission threshold for the at least one emission; compare the at least one emission to the emission threshold; apply, in an instance where the at least one emission associated with the at least one API request exceeds the emission threshold, at least one API parameter adjustment for the API request; and generate an updated application by applying the at least one API parameter adjustment to at least one of the at least one application or the at least one API request.

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: Aspects of the disclosure relate to verifying external accounts in real-time using dynamic smart contracts. A computing platform may receive a consumer request to initiate a transaction, at an enterprise organization, with an entity associated with an account. The computing platform may use the received consumer request to generate a smart contract profile associated with the entity. The computing platform may use the smart contract profile associated with the entity to determine a trust score associated with the entity. The computing platform may gather data indicating external accounts associated with the entity. The computing platform may use the data indicating the external accounts associated with the entity to determine a confidence threshold value. The computing platform may compare the trust score associated with the entity to the confidence threshold value to verify the legitimacy of the account associated with the entity.

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: 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: A method for managing metaverse instances includes registering a physical control level for a user. The physical control level includes information about physical locations and data items that the user is allowed to access within an entity. A digital identity is generated for the user. The digital identity includes a virtual control level for an avatar of the user and allows the avatar to access a metaverse instance of a metaverse of the entity. The virtual control level is synchronized with the physical control level. Computing resources to be allocated to the metaverse instance are determined. A first instruction is sent to a metaverse server to open the metaverse instance. A second instruction is sent to the metaverse server to allocate the computing resources to the metaverse instance. A third instruction is sent to the metaverse server to generate the avatar. The avatar is allowed access to the metaverse instance.

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.