Abstract: Systems, computer program products, and methods are described herein for electronic resource transfer authentication via a user characteristic data verification engine. The system receives a request to transfer electronic resources from a first endpoint device of a merchant. The system then identifies a resource vehicle owner associated with the electronic resource transfer, identifies at least one second endpoint device, then transmits a request for verification from the entity to the at least one second endpoint device, utilizing an application programming interface. The user characteristic feedback hardware of the at least one second endpoint device collects identifier data from the user of the at least one second endpoint device, and a user characteristic data verification engine is initiated and thereafter determines a binary identification output. An entirety of the electronic resources are distributed to the merchant based on the binary identification output.

Abstract: From a first group of records of a set of transactions, a set of common transactions is extracted. The first group is formed based on a criterion. A record corresponds to a transaction in the set of transactions. A first transaction in the set of common transactions is classified into a transaction type. From a first actor associated with the first transaction, a first role corresponding to the first transaction is determined. Using the transaction type, the first role, and the time period, a transaction template, the transaction template comprising an action item and a role corresponding to the action item are determined. Using the first transaction template, a transaction is instantiated, the instantiating generating an action request corresponding to the action item and assigning an actor to the role.