Abstract: Systems, computer program products, and methods are described herein for secure access and initiation using a remote terminal.

Abstract: A system includes a first data center that includes a first computing device communicatively coupled to a first database. The first computing device is configured to determine data stored in the first database to be replicated to a second database communicatively coupled to a second computing device of a remote data center. The first computing device is further configured to determine whether a point-to-point data tunnel has been established across a broadband cellular network between the first computing device and the second computing device and to establish the point-to-point data tunnel across the broadband cellular network between the first computing device and the second computing device when it is determined that the point-to-point data tunnel has not been established. The first computing device is further configured to replicate the data to the second database by transmitting the data to the second computing device across the point-to-point data tunnel.

Abstract: Apparatus, systems and methods for providing a four-part, virtual reality (VR) customer service interaction between a customer service avatar operating on a VR platform and a customer using both a mobile device and a VR device are provided. Methods may include activating a VR session between the customer service avatar and the customer. Methods may include validating the VR session between the customer service avatar and the customer. Methods may include processing a co-browsing VR session request. Methods may include initiating the VR session between the customer service avatar and the customer.

Abstract: Systems, methods, and computer program products are provided herein for hyperspectral imaging based authentication. An example method includes receiving check data associated with at least a first user and extracting one or more field details from the check data. By leveraging a hyperspectral imaging module, the method further includes generating hyperspectral image data associated with the one or more extracted field details and determining one or more spectral characteristics associated with the one or more extracted field details based on the hyperspectral image data. The method further includes determining a tampering indication for the check data based on the one or more spectral characteristics. The spectral characteristics may include one or more reflectance values associated with extracted field details across a plurality of spectral bands.

Abstract: A system for secure data transfer in a virtual environment receives a request to initiate a virtual interaction session between an avatar and an entity within the virtual environment. The avatar is operated by a user using a user device. The system presents a virtual data reader to the avatar. The virtual data reader comprises a screen to display data. The system receives user input from the user device. The user input includes user information and data object to be transferred to the entity. The user input is transferred from the user input to the virtual data reader. The system receives a security token from the avatar. The system verifies that the user input belongs to the user. The system also determines that the security token is valid. In response, the system transfers the data object to the entity and concludes the virtual interaction session.

Abstract: Arrangements for providing API stability functions are provided. In some aspects, call logs may be received and analyzed to identify a provider associated with each API call. Based on the provider, the call logs may be split into one or more provider-specific sub-logs. The provider-specific sub-logs may be analyzed to identify failed API calls and the sub-logs having failed API calls may be encrypted using a provider-specific encryption key. The encrypted data may be written to a blockchain where the provider may decrypt the data using the provider-specific key and identify and execute one or more corrective actions. Once a cause of the API call failure has been addressed, an indication of the correction may be received and displayed.

Abstract: Aspects of the disclosure relate to mobile device operations during an ongoing call. The mobile device operations may relate to payment processing operations. The mobile device may determine contact information associated with a party in an ongoing call. The mobile device may determine, based on the contact information, information associated with a payment transaction request. The mobile device may send, based on the determined information the payment transaction request. The mobile device may dynamically determine a user interface to be displayed during the call to facilitate the various mobile device operations.

Abstract: Systems and methods for providing an integrated secondary communication network are provided. A method may include receiving an indication of a pre-determined trigger event, and presenting, via a user interface of a smart card, an option to perform a limited subset of a set of financial services. The set of financial services may be provided to a user of the smart card by a financial institution in connection with an account to which the smart card is keyed. The method may include the smart card bypassing the primary communication network, in response to receipt of a selection to perform a service from the limited subset of the set of financial services, and transmitting, via a transmitter of the smart card to a gateway of the secondary communication network, communication packets requesting the service.

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: Embodiments of the present invention provide an intuitive platform for non-contact instructions regarding resource allocation. In this way, a user may utilize one or more specific gestures which are captured, analyzed, and responded to by the system of the invention in order to initiate or complete one or more resource activities such as a resource transfer, resource transfer split, or other resource action.

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: Embodiments of the invention are directed to systems, methods and computer program products structured for dynamic management of stored cache data based on predictive usage information. The invention is structured for proactive alleviation of obsolete data, dynamic pre-population and fetching of cached data based on determining actions preceding initiation of activities. Specifically, the invention is configured to detect, via a proactive processor application, a first access event via a first network device associated with a first communication channel at a first time interval, such that the first access event is detected prior to initiation of a first technology activity event by the user. The invention is also structured to populate the first adapted hierarchical cache data object for use at a technology application associated with the first network device prior to the initiation of the first technology activity event by the user.

Abstract: Embodiments of the present invention removes the need for a physical interaction between a user and a user device such that the user can gesture at a certain distance from the machine in order to enter their personal verification information. This invention provides a seamless way for the user to authenticate themselves. The present invention utilizes various intelligent systems for image, video, and proximity data analysis in order to provide an intuitive touchless experience when interacting with a resource dispensing machine or resource activity processing machine to conduct various activities related to user resource accounts.

Abstract: Systems, methods, and apparatus are provided for secure check exception remediation 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, 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 identification and recordation of base components of a resource within a virtual medium. The present invention is configured to electronically receive, from a user input device, a request to generate a non-fungible token (NFT) for a first portion of a resource; in response, retrieve information associated with the first portion of the resource; initiate an NFT engine on the first portion of the resource; generate, using the NFT engine, an NFT for the first portion of the resource, wherein the NFT comprises at least the information associated with the first portion of the resource; record the NFT in a distributed ledger; and transmit control signals configured to cause the user input device to display a notification indicating that the NFT has been generated and recorded in the distributed ledger.

Abstract: Systems, computer program products, and methods are described herein for identification and recordation of base components of a resource within a virtual medium. The present invention is configured to electronically receive, from a user input device, a request to generate a non-fungible token (NFT) for a first portion of a resource; in response, retrieve information associated with the first portion of the resource; initiate an NFT engine on the first portion of the resource; generate, using the NFT engine, an NFT for the first portion of the resource, wherein the NFT comprises at least the information associated with the first portion of the resource; record the NFT in a distributed ledger; and transmit control signals configured to cause the user input device to display a notification indicating that the NFT has been generated and recorded in the distributed ledger.

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: Embodiments of the invention are directed to systems, methods and computer program products structured for dynamic management of stored cache data based on predictive usage information. The invention is structured for proactive alleviation of obsolete data, dynamic pre-population and fetching of cached data based on determining actions preceding initiation of activities. Specifically, the invention is configured to detect, via a proactive processor application, a first access event via a first network device associated with a first communication channel at a first time interval, such that the first access event is detected prior to initiation of a first technology activity event by the user. The invention is also structured to populate the first adapted hierarchical cache data object for use at a technology application associated with the first network device prior to the initiation of the first technology activity event by the user.