Distributing resources through secure alternate channels

1 . A system comprising:

a processor; and

a memory communicatively coupled to the processor, the memory including instructions that configure the processor to perform operations comprising:

receiving, from a device, a file comprising an image of a physical check requesting a transaction to distribute, through a first transaction channel associated with the physical check, a resource from a first user resource repository of a user to a recipient and a set of pre-extracted data related to the transaction from the image comprising at least a quantity of the resource;

extracting, using a trained machine learning model configured for processing images of physical checks, a plurality of values from the image including a name of the recipient and an address of the recipient, the name and the address being determined based on determining a spatial relationship between a first location of a first value in the image and a second location of a second value in the image, wherein the trained machine learning model is trained to recognize printed fields or handwritten fields in a check image;

determining, based on a comparison of the name of the recipient and the address of the recipient to a database of organizations, a match between an entry of an organization in the database and the name and the address;

determining, based on the match, that the recipient is the organization;

determining, in response to determining that the recipient is the organization, an alternate transaction channel distinct from the first transaction channel to distribute the resource from the user to the recipient for the transaction based on determining that the recipient accepts transactions via the alternate transaction channel, the alternate transaction channel being associated with a credit card;

generating, in response to determining that the recipient is the organization and accepts transactions via the alternate transaction channel, a recipient resource repository;

determining that a sum of quantities of resources distributed to the recipient over a predetermined period as recorded in a recipient distribution history exceeds a pre-set threshold;

in response to determining that the sum exceeds the pre-set threshold, generating a second user resource repository associated with the alternate transaction channel for the user; and

distributing, for the transaction, the resource from the user to the recipient through the alternate transaction channel by distributing the resource from the second user resource repository to the recipient resource repository in response to determining the alternate transaction channel.

2 . The system of claim 1 , wherein the request is to distribute the resource to a first recipient resource repository of a first resource distribution system, and the memory further comprises instructions to the processor to perform operations further comprising:

recording the quantity of the resource and the name of the user to the recipient distribution history;

determining the sum of quantities of resources in the recipient distribution history;

generating, in response to the sum of quantities of resources distributed to the recipient exceeding the pre-set threshold, the recipient resource repository as a second recipient resource repository of a second resource distribution system; and

distributing the resource from the user to the recipient by distributing the resource to the second recipient resource repository of the second resource distribution system.

3 . The system of claim 1 , wherein the alternate transaction channel is an encrypted resource distribution channel.

4 . The system of claim 1 , wherein the plurality of values extracted from the file further includes a date and the memory further includes instructions that configure the processor to perform operations further comprising:

recording the quantity of the resource, the name of the user, and the date to a user distribution history;

identifying, based on the user distribution history, distributions from the user to the recipient at a regular interval;

scheduling a distribution from the user to the recipient for a next occurrence of the regular interval; and

distributing the resource from the user to the recipient at the next occurrence of the regular interval.

5 . The system of claim 1 , wherein the memory further includes instructions that configure the processor to perform operations further comprising:

recording the quantity of the resource and the name of the recipient to a user distribution history.

6 . A method comprising:

receiving, from a device, a file comprising an image of a physical check requesting a transaction to distribute, through a first transaction channel associated with the physical check, a resource from a first user resource repository of a user to a recipient and a set of pre-extracted data related to the transaction from the image comprising at least a quantity of the resource;

extracting, using a trained machine learning model configured for processing images of physical checks, a plurality of values from the image including a name of the recipient and an address of the recipient, the name and the address being determined based on determining a spatial relationship between a first location of a first value in the image and a second location of a second value in the image, wherein the trained machine learning model is trained to recognize printed fields or handwritten fields in a check image;

determining, based on a comparison of the name of the recipient and the address of the recipient to a database of organizations, a match between an entry of an organization in the database and the name and the address;

determining, based on the match, that the recipient is the organization;

determining, in response to determining that the recipient is the organization, an alternate transaction channel distinct from the first transaction channel to distribute the resource from the user to the recipient for the transaction based on determining that the recipient accepts transactions via the alternate transaction channel, the alternate transaction channel being associated with a credit card;

generating, in response to determining that the recipient is the organization and accepts transactions via the alternate transaction channel, a recipient resource repository;

determining that a sum of quantities of resources distributed to the recipient over a predetermined period as recorded in a recipient distribution history exceeds a pre-set threshold;

in response to determining that the sum exceeds the pre-set threshold, generating a second user resource repository associated with the alternate transaction channel for the user; and

distributing, for the transaction, the resource from the user to the recipient through the alternate transaction channel by distributing the resource from the second user resource repository to the recipient resource repository in response to determining the alternate transaction channel.

7 . The method of claim 6 , wherein the request is to distribute the resource to first a recipient resource repository of a first resource distribution system, and the method further comprises:

recording the quantity of the resource and the name of the user to the recipient distribution history;

determining the sum of quantities of resources in the recipient distribution history;

generating, in response to the sum of quantities of resources distributed to the recipient exceeding the pre-set threshold, the recipient resource repository as a second recipient resource repository of a second resource distribution system; and

distributing the resource from the user to the recipient by distributing the resource to the second recipient resource repository of the second resource distribution system.

8 . The method of claim 6 , wherein the alternate transaction channel is an encrypted resource distribution channel.

9 . The method of claim 6 further comprising:

identifying, based on a user distribution history, distributions from the user to the recipient at a regular interval;

scheduling a distribution from the user to the recipient for a next occurrence of the regular interval; and

distributing the resource from the user to the recipient at the next occurrence of the regular interval.

10 . The method of claim 6 further comprising:

recording the quantity of the resource and the name of the recipient to a user distribution history.

11 . A non-transitory computer-readable medium comprising instructions that are executable by a processor for causing the processor to perform operations comprising:

receiving, from a device, a file comprising an image of a physical check requesting a transaction to distribute, through a first transaction channel associated with the physical check, a resource from a first user resource repository of a user to a recipient and a set of pre-extracted data related to the transaction from the image comprising at least a quantity of the resource;

extracting, using a trained machine learning model configured for processing images of physical checks, a plurality of values from the image including a name of the recipient and an address of the recipient, the name and the address being determined based on determining a spatial relationship between a first location of a first value in the image and a second location of a second value in the image, wherein the trained machine learning model is trained to recognize printed fields or handwritten fields in a check image;

determining, based on a comparison of the name of the recipient and the address of the recipient to a database of organizations, a match between an entry of an organization in the database and the name and the address;

determining, based on the match, that the recipient is the organization;

determining, in response to determining that the recipient is the organization, an alternate transaction channel distinct from the first transaction channel to distribute the resource from the user to the recipient for the transaction based on determining that the recipient accepts transactions via the alternate transaction channel, the alternate transaction channel being associated with a credit card;

generating, in response to determining that the recipient is the organization and accepts transactions via the alternate transaction channel, a recipient resource repository;

determining that a sum of quantities of resources distributed to the recipient over a predetermined period as recorded in a recipient distribution history exceeds a pre-set threshold;

in response to determining that the sum exceeds the pre-set threshold, generating a second user resource repository associated with the alternate transaction channel for the user; and

distributing, for the transaction, the resource from the user to the recipient through the alternate transaction channel by distributing the resource from the second user resource repository to the recipient resource repository in response to determining the alternate transaction channel.

12 . The non-transitory computer-readable medium of claim 11 , wherein the request is to distribute the resource to a first recipient resource repository of a first resource distribution system, and the operations further comprise:

recording the quantity of the resource and the name of the user to the recipient distribution history;

determining the sum of quantities of resources in the recipient distribution history;

generating, in response to the sum of quantities of resources distributed to the recipient exceeding the pre-set threshold, the recipient resource repository as a second recipient resource repository of a second resource distribution system; and

distributing the resource from the user to the recipient by distributing the resource to the second recipient resource repository of the second resource distribution system.

13 . The non-transitory computer-readable medium of claim 11 , wherein the alternate transaction channel is an encrypted resource distribution channel.

14 . The non-transitory computer-readable medium of claim 11 , wherein the plurality of values extracted from the image further include a date, and the operations further comprise:

recording the quantity of the resource, the name of the user, and the date to a user distribution history;

identifying, based on the user distribution history, distributions from the user to the recipient at a regular interval;

scheduling a distribution from the user to the recipient for a next occurrence of the regular interval; and

distributing the resource from the user to the recipient at the next occurrence of the regular interval.