Abstract: Aspects of the disclosure relate to isolating and reinstating nodes in a distributed ledger using proof of innocence. In some embodiments, a first plug-in embedded with the blockchain network may monitor consumer-initiated transactions submitted to an enterprise organization node to determine the legitimacy of each consumer-initiated transaction. The first plug-in may identify consumer-initiated transactions associated with malicious activity and may flag the consumer node for further analysis. A second plug-in may identify and analyze the consumer-initiated transactions associated with the consumer node to determine a proof of innocence value associated with the consumer node. The first plug-in may isolate the consumer node from the distributed ledger if the proof of innocence value exceeds a proof of innocence threshold. Alternatively, the first plug-in may permit the consumer node to remain within the distributed ledger if the proof of innocence value falls below the proof of innocence threshold.

Abstract: Systems, computer program products, and methods are described herein for a system for mapping and executing usage of multiple source elements for completion of a resource request. The present disclosure is configured to receive source element data related to at least two source elements, establish resource request parameters, determine an execution source element, and execute a resource transfer in response to the resource request using the execution source element.

Abstract: A metaverse server comprises an edge node processor and a remote node processor. The edge node processor receives a request to perform a task comprising a first set of one or more operations and a second set of one or more operations from a client device associated with a metaverse user, executes the first set of one or more operations, sends a first notification indicating that the task is being performed to the client device, and forwards the second set of one or more operations to the remote node processor. The remote node processor receives the second set of one or more operations, executes each of the second set of one or more operations when conditions for executing the operation are satisfied, and sends a second notification indicating that the task has been completed to the client device upon completion of the second set of one or more operations.

Abstract: A system is provided for generation of substitutable configuration of secure distributed register tokens. In particular, the system may generate, on a distributed register, a secure token with a built-in source code function for triggering a substitution of the secure token with one or more substitute tokens upon the occurrence of a specific condition. The function may pull one or more values associated with the secure token (e.g., from an oracle) and generate the one or more substitute tokens based on the one or more values. Once the substitute tokens are generated, the substitute tokens may be used to replace the secure token on the distributed register.

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: An apparatus is provided, including a transaction card, having: a first microprocessor configured to exchange transaction data; a sensor configured to detect movement; and a second microprocessor in communication with the sensor. The second microprocessor may be configured to store arrays of hash values, representing a movement of a user and a card; obtain hash values based on observed movement patterns, and compare them to the stored values. Upon receiving a transaction request, the microprocessor may determine in real time whether the user is in locomotion and whether the card is being intentionally tapped by the user, based on the observed movement patterns. On this basis, the second microprocessor may determine whether to require an augmented authentication for the requested transaction.

Abstract: An apparatus comprises a memory communicatively coupled to a processor. The memory is configured to store network interchange parameters and user profiles. The processor is configured to receive a data exchange request triggered by a user device. Further, the processor is configured to request, to a decentralized network, a token indicating that a user profile associated with the user device is entitled to access an entitlement, determine whether a data exchange network is available to exchange data in accordance with the network interchange parameters, identify a second data exchange network that is available in accordance with second network interchange parameters in response to determine that the data exchange network is unavailable, and request a data exchange output from the second data exchange network via the token. The processor is configured to receive the data exchange output from the second data exchange network.

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: 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: 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: Apparatus and methods for a li-fi payment network 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. 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: Systems, computer program products, and methods are described herein for detecting and preventing misappropriation attempts based on initiator device data and dynamic rules.

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: 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: 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.