Customized authentication and disbursement system

A system for customizing daily travel expense allocations, the system comprising:

• a memory;
• at least one processor communicatively coupled to the memory;
• a set of sensor devices associated with a user device assigned to a user;
• a selection component, implemented on the at least one processor, that analyzes training schedule data associated with a training event the user is scheduled to attend at a remote training location during a future time-period and real-time context data associated with a selected route between a first location and the remote training location using a set of mode selection criteria to select a mode of travel;
• a prediction component, implemented on the at least one processor, that generates a predicted travel duration associated with the training event, the predicted duration comprising a set of training days associated with the training event and travel time associated with predicted round-trip travel time between the first location and the remote training location;
• a calculation component, implemented on the at least one processor, that calculates an anticipated total predicted travel expenses to be incurred by the user during the predicted travel duration and a daily expense allotment for each day in the set of training days based on the selected mode and a rate associated with the selected mode;
• an analysis component, implemented on the at least one processor, that analyzes sensor data obtained from the set of sensor devices to verify a presence of the user at the remote location on a given day in the set of training days;
• an authorization component, implemented on the at least one processor, that authorizes allocation of the daily expense allotment to the user on a selected day on condition of verifying the presence of the user at the remote location based on the analysis and denies allocation of the daily expense allotment on failure to verify the presence of the user on the selected day;
• and
• an allocation component, implemented on the at least one processor, that disburses an amount of funds sufficient to cover predicted expenses associated with the selected day to a user account in real-time on the selected day.