Circuit-based transaction with secure-access processing

A computer-implemented method comprising:

• receiving first transaction data for a first prospective transaction triggered by interaction of a physical smart card with a first POS terminal;
• automatically selecting, using an AI/ML model in real time in response to receipt of the first transaction data, a first processing network for the first prospective transaction from a plurality of processing networks linked to the physical smart card;
• generating first data associated with the first processing network for processing the first prospective transaction;
• triggering execution of the first prospective transaction by identifying a first computing entity associated with the first processing network and transmitting, via at least one communications network, the first data to the first computing entity to execute the first prospective transaction;
• receiving second transaction data for a second prospective transaction triggered by interaction of the physical smart card with a second POS terminal;
• automatically selecting, using the AI/ML model in real time in response to receipt of the second transaction data, a second processing network for the second prospective transaction from the plurality of processing networks, the second processing network being different than the first processing network;
• generating second data associated with the second processing network for processing the second prospective transaction;
• and
• triggering execution of the second prospective transaction by identifying a second computing entity associated with the second processing network and transmitting, via at least one communications network, the second data to the second computing entity to execute the second prospective transaction, the second computing entity being different than the first computing entity.

One or more non-transitory computer-readable media storing processor-executable instructions that, when executed by one or more processors, cause the one or more processors to perform operations comprising:

• receiving first transaction data for a first prospective transaction triggered by interaction of a physical smart card with a first POS terminal;
• automatically selecting, using an AI/ML model in real time in response to receipt of the first transaction data, a first processing network for the first prospective transaction from a plurality of processing networks linked to the physical smart card;
• generating first data associated with the first processing network for processing the first prospective transaction;
• triggering execution of the first prospective transaction by identifying a first computing entity associated with the first processing network and transmitting, via at least one communications network, the first data to the first computing entity to execute the first prospective transaction;
• receiving second transaction data for a second prospective transaction triggered by interaction of the physical smart card with a second POS terminal;
• automatically selecting, using the AI/ML model in real time in response to receipt of the second transaction data, a second processing network for the second prospective transaction from the plurality of processing networks, the second processing network being different than the first processing network;
• generating second data associated with the second processing network for processing the second prospective transaction;
• and
• triggering execution of the second prospective transaction by identifying a second computing entity associated with the second processing network and transmitting, via at least one communications network, the second data to the second computing entity to execute the second prospective transaction, the second computing entity being different than the first computing entity.