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: A multi-channel trellis encoder/decoder is disclosed for use with multi-channel data transmission systems. For each data transmission symbol interval, trellis encoding is applied across all available channels, and for each data reception symbol interval trellis decoding is applied across all available channels. In comparision with systems employing independent trellis encoding along each available channel, the present invention reduces data throughput delays by roughly an order of magnitude, and reduces implementation complexity by roughly a factor equal to the number of transmission channels. Further, the multi-channel trellis encoder will permit different data transmission rates as well as permitting variations in signal power and/or noise power from channel to channel.