Abstract: Systems, computer program products, and methods are described herein for system resiliency by aggregation with heterogenous communication networks. The method includes transmitting an interaction request associated with an interaction initiation device through a low earth orbit satellite network upon determining a cellular network associated with the interaction initiation device is unavailable. The method also includes receiving a plurality of data packets from the interaction initiation device. At least one of the plurality of data packets are received via the low earth orbit satellite network, and one or more of the plurality of data packets include identifying characteristics associated with the interaction initiation device. The method further includes consolidating the plurality of data packets received via the low earth orbit satellite network.

Abstract: An apparatus may comprise a memory communicatively coupled to a processor. The memory may be configured to store a plurality of rendering commands to render one or more simulated objects in a simulated environment. The processor may be configured to render a simulated object of the one or more simulated objects in the simulated environment based at least in part upon a rendering command of the plurality of rendering commands; display the simulated environment comprising the simulated object; retrieve, from the registry, a baseline rendering command to render a baseline version of the simulated object; and perform a hyperspectral imaging analysis of the simulated object in the simulated environment. Further, the processor may be configured to determine whether the simulated object is tampered or untampered based at least in part upon a result of the hyperspectral imaging analysis indicating whether the simulated object is different from the baseline version.

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: Systems, methods, and apparatus are provided for safe deposit box protocols 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 customer avatar may view a virtual representation or video stream of physical safe deposit box contents in the metaverse environment. In some embodiments, the customer avatar may request a camera adjustment at the physical safe deposit box. In some embodiments, the customer avatar may sign a virtual document in the metaverse environment. The signature may be captured and reproduced on a paper document 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 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: 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: A system architecture for running a second network to support a seamless transition of a transaction request in response to a detection of a connection failure at a first network is provided. The system architecture may include a mobile application running on a mobile device for transmitting the transaction request to the first network and attempting to establish an electronic connection with the first network. The system architecture may also include a LoRa sensor embedded on the mobile device configured to, when the attempt to establish the electronic connection with the first network fails, transmit the transaction request to the second network. The second network may be a low-range wide area network (“LoRaWAN”). The system architecture may also include a LoRaWAN gateway(s) configured to receive the transaction request and transmit the transaction request to a network server operating as a bridge between the LoRaWAN gateway(s) and an entity network.

Abstract: An ATM includes a long range WAN module that provides the ATM with a low power WAN (LPWAN) capability for increased resiliency. The ATM and bank application servers generally communicate over an ATM communications network to allow customers to perform banking transactions. When this connection is not functioning, the ATM may continue to be used to perform banking transactions, without interruption, by communicating over a LoRaWAN network with another nearby LPWAN-enabled ATM that is in communication with the bank application servers. The LoRaWAN network may also be used to automatically obtain software to fix an error at the ATM when the software is obtainable via a nearby LPWAN-enabled ATM. The LoRaWAN module may be further used to record a state of operations at the ATM and to use the record to resume the transaction where the transaction was interrupted while in progress due to an ATM outage.

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 structured for dynamic management of stored cache data based on usage information. The invention is structured for light-weight granular data caching based on construction of adapted hierarchical data objects with improved indexing, for reducing memory and processing burdens on data caching servers and reducing turnaround time for activity execution. Specifically, the invention is configured to trigger, via the proactive processor, retrieval of truncated technology data for caching from a usage database based on the adapted truncated cache data retrieval command; and construct a plurality of adapted hierarchical cache data objects, for each of the plurality of users, and cache the constructed plurality of adapted hierarchical cache data objects, for each of the plurality of users, in the distributed cache layer in a distributed cache layer.

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 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: Systems, methods and apparatus are provided for a Dynamic Group Session Data Access Protocol. The system may monitor participant input in a group interactive session. The system may be trained to monitor and understand the group environment and predict intent of the participant discussion and may predict relevant data. The system may be used by a single participant or by multiple participants. The system may determine the access level of the participants. The system may determine the access level of the data. The system may compare the access level of the participants with the access level of the data. The system may dynamically mask the data if the access level of the participants does not match the access level of the data. The system may create customized views of the data for each participant based on the participant's access level and the access level of the data.

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: Embodiments of the present invention provide a system for replication and transmission of critical data using ultra reliable low latency communication network architecture. The system is configured for determining initiation of a real-time request from one or more channels to one or more receiving applications, determining that the real-time request does not comprise a criticality header, generating the criticality header for the real-time request, determining if the real-time request is eligible for transmission via an ultra-reliable low latency communication network, and transmitting the real-time request to a cluster of servers based on determining if the real-time request is eligible for transmission via an ultra-reliable low latency communication network.

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: A user may print a smart card on-demand by leveraging an Extended Reality (XR) interface to enter card specifications and supply them to a card issuer as an encrypted payload. The card issuer may send the user a non-fungible token (NFT) with instructions for rendering and 3D printing the card using the user's XR interface. The printed card may have an interior layer that includes a pattern of micro electromechanical sensor (MEMS) tactile sensors that uniquely identify the card. The sensors may be placed in selected locations based on a predefined grid pattern of potential sensor locations. The 3D printer may add a non-programmed smart chip to the card. The 3D printer may be a user's printer, or may be a 3D printer at an automated teller machine (ATM). An ATM may be configured to validate and activate the card after detecting the MEMS pattern and programming the smart chip.

Abstract: Domain-based server-selection computer-implemented processes and machines implement an extension of RAFT consensus for leader selection based on patterns of update data proximity. Accounts involved in payment or other transactions are maintained as “sharded” data across data store instances that are split into shards according to their temporal activity. If the domain attributes for a node exceed a threshold and are greater than the other nodes, the node is designated as a leader node and the others are designated as follower nodes. This provides an additional optimization in network performance by introducing insights in normal operations within a domain in a distributed network. If the domain attributes do not exceed the threshold and/or are not greater than the other nodes, a traditional consensus algorithm is used to select leader and follower nodes.

Abstract: Systems, methods, and apparatus are provided for safe deposit box protocols 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 customer avatar may view a virtual representation or video stream of physical safe deposit box contents in the metaverse environment. In some embodiments, the customer avatar may request a camera adjustment at the physical safe deposit box. In some embodiments, the customer avatar may sign a virtual document in the metaverse environment. The signature may be captured and reproduced on a paper document by a device interfacing with the metaverse application. The metaverse application may store technical logs of the metaverse session for future reference.

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.