Abstract: Embodiments of the invention are directed to facilitating electronic resource distribution by including computer-readable indicia or a short-range wireless tag on a physical resource distribution document/instrument that stores or provides access to instructions for requesting and/or processing subsequent resource distributions between the resource requester and requester provider fully electronically (i.e., absent the need for a resource distribution request document or a resource distribution document/instrument).

Abstract: Embodiments of the present invention provide a system for secure contactless distribution of dynamic resources. Resource information may be written onto a near field communication (“NFC”) chip associated with a user, and a dynamic resource value element can be associated with this NFC chip. When an NFC interaction between the NFC chip associated with the user and a computing device of the user is detected, the computing device of the user extracts the resource information from the NFC chip, along with a dynamic resource value. The dynamic resource value is compared to an expected dynamic resource value and, if the values match, the extracted resource information is populated into memory fields of the computing device of the user.

Abstract: Embodiments of the present invention provide a system for secondary authentication via contactless distribution of dynamic resources. When an event request associated with a user is received, a prompt for event information is transmitted to a computing device. Based on the event information that is received, a determination is made that the event request requires a secondary authentication in the form of a near field communication (“NFC”) interaction between an NFC chip associated with the user and a secondary authentication device. The NFC chip associated with the user may additionally be associated with a dynamic resource value element. Once the NFC interaction is detected, a dynamic resource value is extracted and compared to an expected dynamic resource value. If the values match, then the user is authenticated for the requested event at the secondary authentication level.

Abstract: Embodiments of the invention are directed facilitating an electronic resource distribution by embedding a short-range wireless tag in a resource distribution request that stores instructions for processing the resource distribution in a fully electronic processing flow. As such, the resource distribution request holder is capable of processing the request without issuing a resource distribution document to the resource requester. In additional embodiments of the invention, the short-range wireless tag further stores instructions for arranging subsequent resource distributions to the resource requester to occur without the need for the resource requester to present a resource request document.

Abstract: Embodiments of the present invention provide a system for recognizing environment of a vehicle and identifying collisions in real-time. The system is typically configured for continuously monitoring environment of an automobile via one or more components of the automobile, identifying at least one collision associated with the automobile based on monitoring the environment of the automobile, determining one or more users associated with the at least one collision, determining one or more third parties associated with the one or more users and the at least one collision, automatically establish a communication link with the one or more third party entities, and automatically transmitting a notification associated with the at least one collision to the one or more third party entities and the one or more users in real-time.

Abstract: Embodiments of the invention are directed to a mobile device system, methods and computer program products for providing a centralized, integrated resource transfer application on the mobile device. The integrated resource transfer application of the mobile device is typically configured to launch, control, modify and operate applications stored on the mobile device. In this regard, the integrated resource transfer application facilitates the user to perform a user activity, using multiple applications from a centralized user interface, without requiring the user to open and close one application after another. Another aspect of the integrated resource transfer application is directed to determination of pertinent applications for the user activity and automatic launching the applications within the central interface, by transferring control between applications, automatically, and in a suitable order.

Abstract: Embodiments of the present invention provide a system for generating a communicable linkage and communication channel between various user devices, including smart devices, with a vehicle system. The system converts data from the user devices into readable format for implementation into a vehicle system. The implementation may include autonomous implementation for location transmission and guidance for the vehicle. Upon authentication of the user to the vehicle, the system directs the vehicle based on the converted data.

Abstract: Embodiments of the present invention provide a system for a multi-factor authentication of a user via a vehicle recognition of the user. In this way, the invention may identify a user co-located to a vehicle and authenticate that user via communicable linkages between a user device and automobile system. The invention may authenticate the user via the communicable linkage, vehicle biometrics, user vehicle preferences, and/or third party authentication. Based on a number of authentication points identified, the system may identify a level of authentication for accessing authentication locations. The system may then allow user access to various locations from his/her vehicle without requiring authentication into those locations.

Abstract: A computerized system may be configured for: determining a travel route to an event; causing a display of a smart device of a vehicle of a user to display the travel route; determining a parking location proximate to the event; modifying the travel route to include the parking location; identifying an item of a third party entity located proximate to the event; placing an order for the item in response to determining that a trigger event has occurred; causing a display of the user's mobile device to display information about the order once the vehicle has arrived at the parking location and the user is no longer collocated with the vehicle; determining that the mobile device of the user is collocated with a remote device of the third party entity; and transferring resources from the user to the third party entity to complete the order.

Abstract: Embodiments of the present invention provide a system for recognizing environment of a vehicle and identifying collisions in real-time. The system is typically configured for continuously monitoring environment of an automobile via one or more components of the automobile, identifying at least one collision associated with the automobile based on monitoring the environment of the automobile, determining one or more users associated with the at least one collision, determining one or more third parties associated with the one or more users and the at least one collision, automatically establish a communication link with the one or more third party entities, and automatically transmitting a notification associated with the at least one collision to the one or more third party entities and the one or more users in real-time.

Abstract: Embodiments of the present invention are used in a token based financial transaction system, whereby individual tokens associated with one or more financial accounts provided to one or more third parties. Embodiments credit an amount of a virtual currency in at least one bank account of a customer, wherein the at least one bank account has an associated amount of funds that is increased by the credit of the amount of virtual currency; generate a payment token associated with the at least one bank account of the customer; receive a transaction request to process a transaction using the token; determine that the transaction request is associated with a transaction having a transaction amount less than or equal to the amount of funds associated with the at least one bank account; and approve and settle the transaction.

Abstract: Embodiments of the present invention are used in a token based financial transaction system, whereby individual tokens associated with one or more financial accounts provided to one or more third parties. Embodiments credit an amount of a virtual currency in at least one bank account of a customer, wherein the at least one bank account has an associated amount of funds that is increased by the credit of the amount of virtual currency; generate a payment token associated with the at least one bank account of the customer; receive a transaction request to process a transaction using the token; determine that the transaction request is associated with a transaction having a transaction amount less than or equal to the amount of funds associated with the at least one bank account; and approve and settle the transaction.

Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for non-intrusive geo-location determination associated with transaction authorization. The invention enables one or more transactions initiated by a user to be authenticated and/or validated based on, at least in part, determined locations of the user relative to the locations of the one or more transactions. The user location is determined by transmitting one or more queries to a user device. The system determines the validity of the one or more transactions based on at least comparing the transaction location to the user location, before enabling further processing of the one or more transactions. The present invention is advantageous since it enables authentication/authorization of one or more transactions associated with the user by utilizing the user location, while precluding any inadvertent privacy concerns.

Abstract: Embodiments of the present invention provide a system for recognizing environment of a vehicle and identifying collisions in real-time. The system is typically configured for continuously monitoring environment of an automobile via one or more components of the automobile, identifying at least one collision associated with the automobile based on monitoring the environment of the automobile, determining one or more users associated with the at least one collision, determining one or more third parties associated with the one or more users and the at least one collision, automatically establish a communication link with the one or more third party entities, and automatically transmitting a notification associated with the at least one collision to the one or more third party entities and the one or more users in real-time.

Abstract: Embodiments of the present invention provide a system for a multi-factor authentication of a user via a vehicle recognition of the user. In this way, the invention may identify a user co-located to a vehicle and authenticate that user via communicable linkages between a user device and automobile system. The invention may authenticate the user via the communicable linkage, vehicle biometrics, user vehicle preferences, and/or third party authentication. Based on a number of authentication points identified, the system may identify a level of authentication for accessing authentication locations. The system may then allow user access to various locations from his/her vehicle without requiring authentication into those locations.

Abstract: A computerized system may be configured for: determining a travel route to an event; causing a display of a smart device of a vehicle of a user to display the travel route; determining a parking location proximate to the event; modifying the travel route to include the parking location; identifying an item of a third party entity located proximate to the event; placing an order for the item in response to determining that a trigger event has occurred; causing a display of the user's mobile device to display information about the order once the vehicle has arrived at the parking location and the user is no longer collocated with the vehicle; determining that the mobile device of the user is collocated with a remote device of the third party entity; and transferring resources from the user to the third party entity to complete the order.

Abstract: Embodiments of the present invention provide a system for generating a communicable linkage and communication channel between various user devices, including smart devices, with a vehicle system. The system converts data from the user devices into readable format for implementation into a vehicle system. The implementation may include autonomous implementation for location transmission and guidance for the vehicle. Upon authentication of the user to the vehicle, the system directs the vehicle based on the converted data.

Abstract: The preset invention relates to a system for integrated connectivity of devices to provide dynamic control and real-time routing of a vehicle for item transfer and vehicle performance. The system is configured for constructing a dynamic item file comprising one or more items associated with a user. The system is configured to identify an item collection initiation trigger and transmit an order placement control signal to an entity system of an item entity to initiate item transfer of the one or more items at a predetermined time interval. The system is configured to direct the vehicle to a first parking location associated with the geographic location parameter of the item entity. In addition, using a sensor device of the vehicle such as a weight sensor, an RFID sensor and/or a visual capture device, the system is structured to identify that the one or more items are located in the vehicle.

Abstract: Embodiments of the present invention provide a system for recognizing environment of a vehicle and identifying collisions in real-time. The system is typically configured for continuously monitoring environment of an automobile via one or more components of the automobile, identifying at least one collision associated with the automobile based on monitoring the environment of the automobile, determining one or more users associated with the at least one collision, determining one or more third parties associated with the one or more users and the at least one collision, automatically establish a communication link with the one or more third party entities, and automatically transmitting a notification associated with the at least one collision to the one or more third party entities and the one or more users in real-time.

Abstract: Embodiments of the present invention provide a system for transferring one or more resources associated with an interaction via an automobile. The system is typically configured for receiving an input from a user to search for a parking space, communicating with one or more remote parking systems at one or more parking locations within a predetermined distance from a destination to identify one or more available parking spaces, applying logic to select a first parking space from the one or more available parking spaces, transmit a location of the first parking space to the user, continuously monitoring a real-time location of the user, identifying that the real-time location of the user matches the location of the first parking space, initiating transfer of resources to complete an interaction with a first remote parking system associated with the first parking space, and completing the interaction by transferring the resources to the first remote parking system.