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.

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: 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: 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: 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: Embodiments of the invention are directed to systems, methods, and computer program products for authentication of user activities based on establishing communication links between network devices. The invention is structured for dynamically authenticating transmitted activity processing data based on establishing seamless electronic communication handshake between network devices and without requiring user intervention. Specifically, the invention is structured to establish an operative communication link between the second networked device and the user device, wherein establishing the operative communication link comprises establishing a handshake between an entity intelligent platform associated with the second networked device and the multi-channel cognitive resource platform of the user device. Moreover, the invention is structured to authenticate the first activity for based on the identified code match.

Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for dynamic stepped multi-level authentication. The invention is structured for progressively authenticating transmitted activity processing data over escalating authentication levels using electronic communications between network devices over separate communication channels. Specifically, the invention is structured to authenticate the first activity for a first authentication level based on determining a spatial congruence of the user device and the resource instrument device associated with the first activity. Moreover, the invention is structured to trigger a second authentication level requirement above the first authentication level based on at least the first authentication level and resource activity processing data.

Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for dynamic stepped multi-level authentication. The invention is structured for progressively authenticating transmitted activity processing data over escalating authentication levels using electronic communications between network devices over separate communication channels. Specifically, the invention is structured to authenticate the first activity for a first authentication level based on determining a spatial congruence of the user device and the resource instrument device associated with the first activity. Moreover, the invention is structured to trigger a second authentication level requirement above the first authentication level based on at least the first authentication level and resource activity processing data.

Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for authentication of user activities based on establishing communication links between network devices. The invention is structured for dynamically authenticating transmitted activity processing data based on establishing seamless electronic communication handshake between network devices and without requiring user intervention. Specifically, the invention is structured to establish an operative communication link between the second networked device and the user device, wherein establishing the operative communication link comprises establishing a handshake between an entity intelligent platform associated with the second networked device and the multi-channel cognitive resource platform of the user device. Moreover, the invention is structured to authenticate the first activity for based on the identified code match.