MULTI-TRANSFER RESOURCE ALLOCATION USING MODIFIED INSTANCES OF CORRESPONDING RECORDS IN MEMORY

This patent is part of a broader suite of relational patents, all authored by the same individual. Collectively, these patents, when their specifications and claims are integrated, form a novel, innovative, and robust digital core banking platform. This next-generation core banking platform is engineered to fully replace outdated and antiquated core banking systems. By migrating to this new banking environment, bank customers, merchants, and businesses gain access to enhanced privacy and security features and enjoy significantly reduced costs related to fiat and cryptocurrency exchanges, digital payments, bill-pay processing, and other banking products and services. The platform not only delivers superior security and improved operational efficiencies, but it also redefines the payments landscape by circumventing existing payment networks and re-intermediating the bank more directly into the daily lives and operations of customers, merchants, and businesses. With respect to credit issuance, the new bank platform provides new innovations in customer boarding, virtual credit issuance and the associated practical applications for point-of-sale. The value proposition for merchants, businesses and the bank include greatly reduced friction in the customer onboarding process. This approach generates substantial savings for all parties involved in payment transactions, as well as for those utilizing bank, merchant, or business services and products. Another key feature of the platform is its integrated advertising portal interface, which enables the bank, its merchants, and businesses to advertise directly to their own customer base or to the bank’s own customer base. This efficient, cost-effective advertising channel strengthens direct relationships among all parties involved in payment transactions. Additionally, the advertising revenue can be repurposed to support outreach initiatives and the acquisition of new customers for the bank, its member merchants, and member businesses. The combined effect of cost savings and advertising revenue creates resources that can be leveraged to attract new customers for the bank, as well as for its merchants and businesses. Further, embedded within the platform is a robust rewards program, offering customers points and advantages that can substantially surpass traditional credit card issuer rewards and points systems. This incentivizes further customer engagement with the bank and its associated merchants and businesses, while generating further customer outreach within the bank’s own financial products and services ecosystem and can furthermore introduce new dimensions in consumer banking solutions and features. The platform also enables deeper and more frequent engagement between the bank and its customers, merchants, and business members. With its specialized savings and advertising capabilities, the new bank platform fosters more meaningful and frequent interactions among bank members. This not only benefits the bank, but also significantly enhances the experience and advantages for both individual and business customers.