Computerized system for identifying and redistributing complementary resources

A computer program product for identifying and redistributing complementary resources, comprising a non-transitory computer-readable storage medium having computer-executable instructions for:

• analyzing resource transfers of a plurality of users to identify a subset of users having complementary resource transfer patterns;
• assigning each user of the subset of users to a complementary user pool;
• monitoring, in real-time, resource transfers of the subset of users assigned to the complementary user pool, the subset of users comprising a first user and a second user, wherein monitoring the actions of the first user within the client application comprises tracking the first user's mouse cursor position, touchscreen inputs, key strokes, and time accessing a particular feature of the client application;
• determining that the first user has a resource surplus;
• in response to determining that the first user has the resource surplus, transferring resources corresponding to the resource surplus from the first user to a resource pool assigned to the complementary user pool;
• determining that the second user has a resource deficiency;
• in response to determining that the second user has the resource deficiency, transferring resources corresponding to the resource deficiency from the resource pool assigned to the complementary user pool to the second user;
• establishing a secure communication channel with a client application stored on the first user device of the first user;
• collecting, over the secure communication channel, resource data associated with the first user from the client application;
• based on collecting the resource data associated with the first user, identifying a plurality of resources of the first user;
• classifying each resource of the plurality of resources;
• and
• based on classifying each resource of the plurality of resources, predicting a future user action of the first user within the client application.

A computerized method of identifying and redistributing complementary resources, comprising:

• analyzing, via a computer processor, resource transfers of a plurality of users to identify a subset of users having complementary resource transfer patterns;
• assigning, via a computer processor, each user of the subset of users to a complementary user pool;
• monitoring, in real-time, via a computer processor, resource transfers of the subset of users assigned to the complementary user pool, the subset of users comprising a first user and a second user, wherein monitoring the actions of the first user within the client application comprises tracking the first user's mouse cursor position, touchscreen inputs, key strokes, and time accessing a particular feature of the client application;
• determining, via a computer processor, that the first user has a resource surplus;
• in response to determining that the first user has the resource surplus, transferring, via a computer processor, resources corresponding to the resource surplus from the first user to a resource pool assigned to the complementary user pool;
• determining, via a computer processor, that the second user has a resource deficiency;
• in response to determining that the second user has the resource deficiency, transferring, via a computer processor, resources corresponding to the resource deficiency from the resource pool assigned to the complementary user pool to the second user
• establishing, via a computer processor, a secure communication channel with a client application stored on the first user device of the first user;
• collecting, via a computer processor over the secure communication channel, resource data associated with the first user from the client application;
• based on collecting the resource data associated with the first user, identifying, via a computer processor, a plurality of resources of the first user;
• classifying, via a computer processor, each resource of the plurality of resources;
• and
• based on classifying each resource of the plurality of resources, predicting, via a computer processor, a future user action of the first user within the client application.