Multi transfer resource allocation using modified instances of corresponding records in memory

A method comprising:

• storing a first set of records associated with a user in a first memory area associated with the user, each record of the first set comprising a record identifier and a resource amount;
• generating a second set of records associated with the user based on records of the first set such that each record of the second set (i) is a modified instance of a corresponding record of the first set and (ii) comprises a resource amount and a record identifier different from the record identifier of the corresponding record of the first set;
• storing first and second records of the second set in second and third memory areas, respectively;
• obtaining, via an application having no access permissions to data stored in the first, second, and third memory areas, one or more commands from a user device associated with the user, the one or more commands directing (i) grant of an entitlement to access the second and third memory areas, (ii) a first transfer of at least some of the resource amount of the first record in the second memory area to the second record in the third memory area, and (iii) then a second transfer of at least some of the resource amount of the second record to one or more records associated with one or more users;
• in response to the one or more commands, providing the entitlement to access the second and third memory areas to the application, the application modifying the first record in the second memory area and the second record in the third memory area to reflect the first transfer and the second transfer;
• and
• in response to the modification, resetting the second and third memory areas, the resetting causing removal of the entitlement from the application and deletion of the first and second records from the second and third memory areas.

One or more non-transitory computer-readable media comprising instructions that, when executed by one or more processors, cause operations comprising:

• storing first and second records of a first set of records associated with a user in a first memory area associated with the user, each record of the first set comprising a record identifier and a resource amount;
• obtaining, via an application having no access permissions to data stored in the first memory area or a second memory area, one or more commands from a user device of the user, the one or more commands directing (i) grant of an entitlement to access the first memory area, (ii) a first transfer of at least some of the resource amount of the first record in the first memory area to the second record in the first memory area, and (iii) then a second transfer of at least some of the resource amount of the second record to one or more records associated with one or more users;
• in response to the one or more commands, providing the entitlement to access the first memory area to the application, the application modifying the first record in the first memory area and the second record in the first memory area to reflect the first transfer and the second transfer;
• generating a second set of records associated with the user based on records of the first set such that each record of the second set (i) is a modified instance of a corresponding record of the first set and (ii) comprises a resource amount and a record identifier different from the record identifier of the corresponding record of the first set;
• and
• storing first and second records of the second set in the second memory area.