Apparatuses, methods, computer program products, and systems are disclosed for payment processing. An apparatus includes one or more processors and one or more memories that store code executable by the one or more processors to exchange payment information for a transaction wirelessly between a mobile hardware computing device of a user and a hardware payment terminal for a merchant, to validate an availability of funds for the transaction using an electronic interface for an account for the user at a third-party institution, and to electronically transfer the funds directly from the account for the user to an account for the merchant to complete the transaction.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
Apparatuses, systems, methods, and computer program products are disclosed for externally held account discovery and aggregation. A method includes aggregating transactions of a first service provider from one or more servers to a trusted hardware device. A method includes identifying, on a trusted hardware device, one or more transactions of a first service provider between an account of a user with the first service provider and an account of the user with a second service provider. A method includes prompting a user for electronic credentials for an account of the user with a second service provider. A method includes accessing data of a user from a second service provider on behalf of the user using electronic credentials.
Apparatuses, systems, methods, and computer program products are disclosed for an aggregated data query interface. A method includes authenticating a user of a publicly accessible query interface. A method includes authenticating the user for a third-party financial account of the user. A method includes accessing financial transaction data from the third-party financial account on behalf of the user. A method includes receiving a query from the user via the publicly accessible query interface. A method includes embedding, in a graphical user interface on an electronic display screen, a display of one or more financial transactions from the financial transaction data from the third-party financial account with a display of query results from the publicly accessible query interface, the one or more financial transactions and the query results each associated with the query from the user.
Apparatuses, systems, methods, and computer program products are disclosed for item level data aggregation. A method includes identifying a transaction made with a third party within a set of transactions. A method includes using electronic credentials for a user to login to an account of the user at a third party. A method includes downloading item-level data from a third party that corresponds to an identified transaction in response to logging into a user's account at a third party. Item-level data identifies one or more items within an identified transaction. A method includes displaying a set of transactions to a user. A method includes displaying item-level data for one or more items within an identified transaction to a user in response to receiving input from the user relative to the identified transaction in a displayed set of transactions.
Apparatuses, systems, methods, and computer program products are disclosed for aggregation based credit decisions. An apparatus includes a data module configured to receive transaction data for a user that is aggregated from a plurality of different third-party data sources where the user has accounts. An apparatus includes an analysis module configured to analyze aggregated transaction data using machine learning to determine a credit metric describing a credit worthiness of a user. An apparatus includes a credit module configured to provide a determined credit metric to one or more interested third parties.
Apparatuses, systems, methods, and computer program products are presented for an aggregation platform portal. A hardware computing device is configured to aggregate a user's data from a first plurality of third-party service providers over a data network for the user to access through a second plurality of third-party service providers. A portal module is configured to monitor electronic credentials of a user used by a hardware computing device to download the user's data and to detect similar electronic credentials for the same third-party service provider from a first plurality being used for multiple third-party service providers from a second plurality. A graphical user interface is configured to display a listing of multiple third-party service providers with user interface elements allowing a user to revoke authorization of aggregation of data from one or more third-party service providers and/or to update electronic credentials for one or more of multiple third-party service providers.
Apparatuses, systems, methods, and computer program products are disclosed for automatic account protection. A method includes detecting a trigger indicating one or more of a potential and an actual security breach at one or more websites where a user has an account that is accessible using electronic credentials. A method includes logging into the one or more websites for the user using the electronic credentials. A method includes performing one or more actions at the one or more websites associated with the electronic credentials to protect the user's account.
H04L 29/06 - Communication control; Communication processing characterised by a protocol
G06F 21/46 - Structures or tools for the administration of authentication by designing passwords or checking the strength of passwords
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
Apparatuses, systems, methods, and computer program products are disclosed for data intermediary registry security. A method includes managing a registry of data intermediaries authorized to receive data from a data provider and of data recipients associated with the data intermediaries. A method includes blocking access in the registry to identities of the data recipients associated with one of the data intermediaries by one or more other of the intermediaries. A method includes providing data to at least one of the data intermediaries and the data recipients based on the registry.
Apparatuses, methods, and systems are disclosed for creating an intuitive visual plan for achieving financial goals. An apparatus includes a processor and a memory that stores code executable by the processor to receive financial goal information for a plurality of financial goals, generate a plurality of graphical representations for the plurality of financial goals, and present, on a digital display, a converging distance graphic and the plurality of graphical representations.
Apparatuses, methods, computer program products, and systems are disclosed for transaction based fraud detection. A method includes receiving, over an application programming interface, an electronic request to perform an action for a user. A method includes electronically accessing one or more attributes of an account for the user. A method includes selectively performing the action for the user based on the one or more attributes of the account.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
11.
COMPUTER SOFTWARE FOR PERSONAL BUDGETING THAT GRAPHICALLY DEPICTS DATA USING TWO OR THREE DIMENSIONAL BUBBLE OR SPHEROID OBJECTS
Apparatuses, systems, methods, and program products are disclosed. An apparatus includes a processor and a memory that stores code executable by the processor to generate a first graphical representation of a total quantity, the total quantity representing a total available amount and is comprised of an aggregation of quantities for different sub-categories; generate at least one second graphical representation of a sub-category of the total quantity based on the quantity of the sub-category; and graphically present, on a display, the first graphical representation and the at least one second graphical representation adjacent to the first graphical representation, the first graphical representation and the at least one second graphical representation dynamically sized relative to one another based on the quantities for each graphical representation and a size of the display.
Apparatuses, systems, methods, and program products are disclosed for long string pattern matching of aggregated account data. An apparatus includes a processor and a memory that stores code executable by the processor to aggregate transaction data from a plurality of accounts associated with a user, create an index for the aggregated transaction data using signatures for transactions within the aggregated transaction data, query metadata corresponding to the index for at least one transaction, and in response to identifying the at least one transaction within the aggregated transaction data based on querying the metadata, determine at least one service associated with the at least one transaction to present to the user.
G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
Apparatuses, methods, computer program products, and systems are disclosed for multi-core account/transaction processing. A method includes authenticating a user with electronic credentials. A method includes querying a first core processing system to determine an identifier for a first account with the first core processing system. A method includes querying a second core processing system to determine a different identifier for a different account with the second core processing system. A method includes accessing the first account with the first core processing system using the first identifier for the user to receive data associated with the first account. A method includes accessing the different account with the second core processing system using the different identifier for the user to receive data associated with the different account. A method includes providing real-time access to both the data associated with the first account and with the different account within a single electronic interface.
Apparatuses, methods, computer program products, and systems are disclosed for multi-core account/transaction processing. A method (500) includes authenticating (502) a user with electronic credentials, querying (504) a first core processing system to determine an identifier for a first account with the first core processing system, querying (506) a second core processing system to determine a different identifier for a different account with the second core processing system, accessing (508) the first account with the first core processing system using the first identifier for the user to receive data associated with the first account, accessing (510) the different account with the second core processing system using the different identifier for the user to receive data associated with the different account, and providing (512) real-time access to both the data associated with the first account and with the different account within a single electronic interface.
H04L 9/32 - Arrangements for secret or secure communicationsNetwork security protocols including means for verifying the identity or authority of a user of the system
H04L 9/00 - Arrangements for secret or secure communicationsNetwork security protocols
Apparatuses, methods, computer program products, and systems are disclosed for multi-core account migration. A method includes authenticating a user into a first environment associated with a first core processing system with first electronic credentials for the user. A method includes displaying a user interface element to the user within the first environment. A method includes authenticating the user into a second core processing system in response to user input to the user interface element. A method includes migrating a first account for the user with the first core processing system to a different account for the user with the second core processing system in response to the user input to the user interface element.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
Apparatuses, methods, computer program products, and systems are disclosed for risk assessment based data access. A method includes determining security risks for each of a plurality of executable applications accessing an application programming interface. A method includes monitoring changes in the security risks for each of the plurality of executable applications. A method includes dynamically adjusting a scope of permissions for the plurality of executable applications with regard to the application programming interface based on the monitored changes in the security risks.
G06F 21/57 - Certifying or maintaining trusted computer platforms, e.g. secure boots or power-downs, version controls, system software checks, secure updates or assessing vulnerabilities
Apparatuses, methods, computer program products, and systems are disclosed for multi-core (122a-n) account migration. A method (700) includes authenticating (702) a user into a first environment associated with a first core processing system (122a) with first electronic credentials for the user. A method (700) includes displaying (704) a user interface element to the user within the first environment. A method (700) includes authenticating (706) the user into a second core processing system (122n) in response to user input to the user interface element. A method (700) includes migrating (708) a first account for the user with the first core processing system (122a) to a different account for the user with the second core processing system (122n) in response to the user input to the user interface element.
H04L 9/32 - Arrangements for secret or secure communicationsNetwork security protocols including means for verifying the identity or authority of a user of the system
G06F 15/16 - Combinations of two or more digital computers each having at least an arithmetic unit, a program unit and a register, e.g. for a simultaneous processing of several programs
H04L 9/00 - Arrangements for secret or secure communicationsNetwork security protocols
Apparatuses, methods, computer program products, and systems are disclosed for multi-core account migration. A method (600) includes determining (602) security risks for each of a plurality of executable applications accessing an application programming interface. A method (600) includes monitoring (606) changes in the security risks for each of the plurality of executable applications. A method (600) includes dynamically adjusting (608) a scope of permissions for the plurality of executable applications with regard to the application programming interface based on the monitored changes in the security risks.
G06F 21/57 - Certifying or maintaining trusted computer platforms, e.g. secure boots or power-downs, version controls, system software checks, secure updates or assessing vulnerabilities
G06F 21/50 - Monitoring users, programs or devices to maintain the integrity of platforms, e.g. of processors, firmware or operating systems
G06F 21/00 - Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
19.
Display screen or portion thereof with a graphical user interface
Apparatuses, systems, methods, and computer program products are disclosed for automated event migration. A method includes aggregating a set of events from one or more servers to a trusted hardware device. Certain different events of a set of events may be associated with different service providers. A method includes identifying, on a trusted hardware device, a repeating event from a set of events. A method includes prompting a user to migrate subsequent instances of a repeating event from one service provider to a different service provider of a plurality of service providers based on a likelihood that the aggregated set of events includes each event for the user of an event type of the aggregated set of events. A method includes migrating subsequent instances of a repeating event, using a user's electronic credentials, from one service provider to a different service provider in response to the user accepting a prompt.
Apparatuses, methods, systems, and program products are disclosed for early data breach detection. An apparatus includes a data module configured to receive user data from a darknet. User data may include user credential information that has been misappropriated. An apparatus includes a match module configured to determine whether user credential information matches a user's credentials for a user's one or more online accounts. An apparatus includes an action module configured to trigger a security action related to a user's one or more online accounts to make the user's one or more online accounts more secure in response to determining that user credential data matches the user's credentials at the user's one or more online accounts.
Apparatuses, systems, methods, and program products are disclosed for data synchronization. An apparatus includes a processor and a memory that stores code executable by the processor to maintain a list of user devices for a user that are enabled for communicating with a core computer system, maintain lists of data changes made to the database of user data separately for each of the user devices, prefilter the data changes for the user devices such that only preselected types of data changes are used to update the user data on the user devices, in response to detecting a data change to the user data for at least one of the user devices, send a real-time notification to other user devices for the user of the data change to prompt data synchronization on the other user devices, and delete a list of the data changes in response to receiving a synchronization token.
G06F 15/16 - Combinations of two or more digital computers each having at least an arithmetic unit, a program unit and a register, e.g. for a simultaneous processing of several programs
H04L 67/1095 - Replication or mirroring of data, e.g. scheduling or transport for data synchronisation between network nodes
Apparatuses, systems, methods, and computer program products are disclosed for automatic account protection. A method includes detecting a trigger indicating one or more of a potential and an actual security breach at one or more websites where a user has an account that is accessible using electronic credentials. A method includes logging into the one or more websites for the user using the electronic credentials. A method includes performing one or more actions at the one or more websites associated with the electronic credentials to protect the user's account.
H04L 29/06 - Communication control; Communication processing characterised by a protocol
G06F 21/46 - Structures or tools for the administration of authentication by designing passwords or checking the strength of passwords
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
Apparatuses, methods, systems, and program products are disclosed for watermark security. An apparatus includes a watermark module configured to generate a digital watermark to be presented as part of a graphical interface based on data presented on the graphical interface. A digital watermark verifies an authenticity of data to be presented in a graphical interface. An apparatus includes a presentation module configured to embed the digital watermark into the graphical interface prior to the data being presented in the graphical interface such that the digital watermark is graphically imperceptible to a user, dynamically update the digital watermark during runtime in response to detecting a change in the at least a portion of the data that is encoded into the digital watermark, and re-embed the digital watermark into the graphical interface in response to the digital watermark being updated.
G06F 3/04845 - Interaction techniques based on graphical user interfaces [GUI] for the control of specific functions or operations, e.g. selecting or manipulating an object, an image or a displayed text element, setting a parameter value or selecting a range for image manipulation, e.g. dragging, rotation, expansion or change of colour
Apparatuses, methods, program products, and systems are disclosed for data protection query interface. An apparatus includes a processor and a memory that stores code executable by the processor to receive, via a query interface, a query from a third-party to verify sensitive data associated with a user, analyze the query to identify a type of the user's sensitive data to verify, and generate a verification response to the query based on verifying the user's sensitive data related to the type of sensitive data to verify without exposing the user's sensitive data to the third-party.
Apparatuses, methods, program products, and systems are disclosed for data protection query interface. An apparatus includes a processor and a memory that stores code executable by the processor to receive, via a query interface, a query from a third-party to verify sensitive data associated with a user, analyze the query to identify a type of the user's sensitive data to verify, and generate a verification response to the query based on verifying the user's sensitive data related to the type of sensitive data to verify without exposing the user's sensitive data to the third-party.
Apparatuses, systems, methods, and computer program products are disclosed for automated event migration. A method includes aggregating a set of events from one or more servers to a trusted hardware device. Certain different events of a set of events may be associated with different service providers. A method includes identifying, on a trusted hardware device, a repeating event from a set of events. A method includes prompting a user to migrate subsequent instances of a repeating event from one service provider to a different service provider of a plurality of service providers based on a likelihood that the aggregated set of events includes each event for the user of an event type of the aggregated set of events. A method includes migrating subsequent instances of a repeating event, using a user's electronic credentials, from one service provider to a different service provider in response to the user accepting a prompt.
Apparatuses, systems, methods, and computer program products are presented for multi-platform testing automation. A method includes electrically triggering, with a rotate command, at least one mechanical actuator to rotate a frame to successively present different faces of the frame to a camera of a mobile hardware device. A method includes simulating one or more touch input events on a mobile hardware device for each successively presented different face of a frame. At least one mechanical actuator and a mobile hardware device are disposed within an enclosure that comprises a light source. A method includes receiving data associated with simulated one or more touch input events and a camera of a mobile hardware device from the mobile hardware device over a data network.
Apparatuses, systems, methods, and computer program products are presented for multi-platform testing automation. A method includes electrically triggering, with a rotate command, at least one mechanical actuator to rotate a frame to successively present different faces of the frame to a camera of a mobile hardware device. A method includes simulating one or more touch input events on a mobile hardware device for each successively presented different face of a frame. Simulated one or more touch input events are received as mirrored one or more actual touch input events on a different mobile hardware device. A method includes receiving data associated with simulated one or more touch input events and a camera of a mobile hardware device from the mobile hardware device over a data network.
Apparatuses, methods, program products, and systems are disclosed for accessible remote deposit capture. An apparatus includes a position module that determines a position of a hardware device relative to a document based on input captured from a camera of the hardware device. An apparatus includes a direction module that determines one or more directions for moving a hardware device relative to a document to position the document within a predefined area of a field of view of a camera. An apparatus includes an accessibility module that provides accessibility feedback via a hardware device based on determined one or more directions. Accessibility feedback includes feedback for assisting a user that has a visual impairment with positioning a hardware device such that a document is within a predefined area of a field of view of a camera.
Apparatuses, methods, systems, and computer program products are presented for dynamic feature and performance testing and adjustment. An audit module is configured to dynamically test a plurality of image capture settings for a camera of a mobile device of an end user in an executable mobile application executing on the mobile device. A feature module is configured to select one of a plurality of image capture settings for a camera of a mobile device based on a dynamic test. An adjustment module is configured to dynamically configure, during runtime of an executable mobile application on a plurality of different mobile devices of different end users, the different mobile devices to use a selected one of a plurality of image capture settings.
Apparatuses, systems, methods, and computer program products are disclosed for virtual sub accounts. An apparatus includes an actual account module that receives information for an actual user account at a financial institution. An apparatus includes a virtual account module that creates a virtual account that comprises a simulated user account at a financial institution that is managed by an actual user account. An apparatus includes a linking module that links a virtual account to an actual user account so that the actual user account manages the virtual account.
G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
G06Q 50/00 - Information and communication technology [ICT] specially adapted for implementation of business processes of specific business sectors, e.g. utilities or tourism
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
G06Q 20/42 - Confirmation, e.g. check or permission by the legal debtor of payment
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
G06Q 20/06 - Private payment circuits, e.g. involving electronic currency used only among participants of a common payment scheme
33.
Aggregation platform portal for displaying and updating data for third-party service providers
Apparatuses, systems, methods, and computer program products are presented for an aggregation platform portal. A hardware computing device is configured to aggregate a user's data from a first plurality of third-party service providers over a data network for the user to access through a second plurality of third-party service providers. A portal module is configured to monitor electronic credentials of a user used by a hardware computing device to download the user's data and to detect similar electronic credentials for the same third-party service provider from a first plurality being used for multiple third-party service providers from a second plurality. A graphical user interface is configured to display a listing of multiple third-party service providers with user interface elements allowing a user to revoke authorization of aggregation of data from one or more third-party service providers and/or to update electronic credentials for one or more of multiple third-party service providers.
H04L 67/125 - Protocols specially adapted for proprietary or special-purpose networking environments, e.g. medical networks, sensor networks, networks in vehicles or remote metering networks involving control of end-device applications over a network
H04L 67/10 - Protocols in which an application is distributed across nodes in the network
Apparatuses, systems, methods, and computer program products are presented for mobile device based identity verification. An apparatus includes a data module configured to receive sensor data from a hardware device associated with a user. An apparatus includes a transaction module configured to receive transaction data associated with a transaction. An apparatus includes a verification module configured to verify an identity of a user making a transaction based on received sensor data. A transaction may be allowed in response to verifying a user's identity.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
G06Q 30/02 - MarketingPrice estimation or determinationFundraising
Apparatuses, systems, methods, and computer program products are disclosed for item level data aggregation. A method includes identifying a transaction made with a third party within a set of transactions. A method includes using electronic credentials for a user to login to an account of the user at a third party. A method includes downloading item-level data from a third party that corresponds to an identified transaction in response to logging into a user's account at a third party. Item-level data identifies one or more items within an identified transaction. A method includes displaying a set of transactions to a user. A method includes displaying item-level data for one or more items within an identified transaction to a user in response to receiving input from the user relative to the identified transaction in a displayed set of transactions.
Apparatuses, systems, methods, and computer program products are disclosed for data supplementation and verification. A method includes determining that an identifier within aggregated data is not a previously classified known identifier. A method includes transmitting an identifier to a search interface of a server of a third party service provider. A method includes receiving results associated with an identifier from a third party service provider. A method includes parsing results to determine whether a plurality of results have a common pattern associated with a classification. A method includes, in response to determining that a plurality of results have a common pattern associated with a classification, associating the classification with an identifier based on the common pattern.
41 - Education, entertainment, sporting and cultural services
Goods & Services
Education services, namely, providing non-downloadable webinars in the field of business and financial technology; Education services, namely, providing on-line speakers and panels in the field of financial services and technology; Education services, namely, providing panel discussions in the field of open finance and technology; Educational and entertainment services, namely, providing motivational and educational speakers; Arranging and conducting of business conferences in the field of banking and financial technology; Educational services, namely, conducting in person and streaming speakers and panels in the field of financial data and technology; Educational services, namely, conducting seminars and conferences in the field of financial technology and personal financial management tools and distribution of course materials in connection therewith in printed or electronic format; Educational services, namely, developing, arranging, and conducting educational conferences and programs and providing courses of instruction in the field of open banking; Providing education in the field of financial data and technology rendered through video conference
42 - Scientific, technological and industrial services, research and design
Goods & Services
Platform as a service (PAAS) featuring computer software platforms for analyzing financial transaction and account data to determine customer insights for financial institutions; Application service provider featuring application programming interface (API) software; Application service provider featuring application programming interface (API) software for submitting financial data for processing and receiving information files; Cloud storage services for electronic files; Providing a web hosting platform for storing and processing data for financial institutions; Software as a service (SAAS) services featuring software for generating customer information files; Software as a service (SAAS) services, namely, hosting software for use by others for processing customer data to create customer files
42 - Scientific, technological and industrial services, research and design
Goods & Services
Platform as a service (PAAS) featuring computer software platforms for linking users' third-party financial accounts and aggregating financial data; Providing a web hosting platform for aggregating third-party financial transaction and account data for users; Software as a service (SAAS) services featuring software for connecting websites and mobile applications to financial data APIs; Software as a service (SAAS) services, namely, hosting software for use by others for financial applications and embedded financial widgets
42 - Scientific, technological and industrial services, research and design
Goods & Services
Platform as a service (PAAS) featuring computer software platforms for aggregating, enhancing, cleansing, and categorizing third-party financial business data; Application service provider featuring application programming interface (API) software; Application service provider featuring application programming interface (API) software for financial business data; Providing a web hosting platform for processing third-party business transaction and account data for business users; Software as a service (SAAS) services featuring software for providing programatic access to financial business data; Software as a service (SAAS) services, namely, hosting software for use by others for cleansing and categorizing financial business data for customers on behalf of their users
42 - Scientific, technological and industrial services, research and design
Goods & Services
Platform as a service (PAAS) featuring computer software platforms for mobile banking and financial management; Computer software development in the field of mobile applications; Design and development of software in the field of mobile applications; Development of computer platforms; Providing a web hosting platform for mobile banking applications; Software as a service (SAAS) services featuring software for aggregating financial data for use in a mobile application; Software as a service (SAAS) services, namely, hosting software for use by others for financial applications
42 - Scientific, technological and industrial services, research and design
Goods & Services
Cloud computing featuring software for use authenticating third parties and securely transferring financial data to the third parties; Platform as a service (PAAS) featuring computer software platforms for data providers to provide programmatic access to their data; Application service provider featuring application programming interface (API) software; Application service provider featuring application programming interface (API) software for sharing financial data between authorized parties with user consent; Design and development of computer software for sharing financial data; Providing a web hosting platform for hosting financial data APIs for others; Providing temporary use of non-downloadable cloud-based software for a financial data sharing platform; Software as a service (SAAS) services featuring software for sharing user financial data from a user's financial institution on the user's behalf; Software as a service (SAAS) services, namely, hosting software for use by others for providing secure access to financial transaction data over a network
42 - Scientific, technological and industrial services, research and design
Goods & Services
Platform as a service (PAAS) featuring computer software platforms for embedding a financial feed of notifications and recommendations based on a user's financial transactions and financial account data; Application service provider featuring application programming interface (API) software for financial notifications and recommendations; Computer services in the nature of customized web pages and other data feed formats featuring user-defined information; Developing customized web pages and other data feed formats featuring user-defined information; Providing a web hosting platform for financial applications with feeds of customized financial notifications and recommendations; Software as a service (SAAS) services featuring software for analyzing financial data to provide dynamic financial recommendations; Software as a service (SAAS) services, namely, hosting software for use by others for providing a financial feed to users
44.
Display screen or portion thereof with a graphical user interface
Apparatuses, methods, systems, and program products are disclosed for data aggregation using a limited-use code. An apparatus includes a message module configured to intercept a message comprising a limited-use code. A message may be sent from a third-party server and intended for a user of a hardware device. A limited-use code may be used to verify an identity of a user for access to a third-party server. An apparatus includes a parse module configured to parse a message to determine a limited-use code. An apparatus includes a submission module configured to provide a limited-use code to a third-party server without user input. An apparatus includes an authorization module configured to prompt a user for authorization prior to intercepting a message, parsing the message for a limited-use code, and providing the limited-use code to a third-party server without user input.
H04L 51/04 - Real-time or near real-time messaging, e.g. instant messaging [IM]
H04L 67/566 - Grouping or aggregating service requests, e.g. for unified processing
H04L 51/52 - User-to-user messaging in packet-switching networks, transmitted according to store-and-forward or real-time protocols, e.g. e-mail for supporting social networking services
Apparatuses, methods, program products, and systems are disclosed for account verification. An apparatus includes a processor and a memory that stores code executable by the processor to receive a user's electronic credentials, use the received electronic credentials to verify an account for the user, and, in response to the account verification using the received electronic credentials failing, verify the user's account using one or more microdeposits.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
Apparatuses, methods, program products, and systems are disclosed for account verification. An apparatus includes a processor and a memory that stores code executable by the processor to access transaction data for a user that is aggregated from a plurality of user accounts, identify at least one microdeposit transaction of a user account in the aggregated transaction data, and verify the user account using information based on the microdeposit transaction.
G06Q 20/02 - Payment architectures, schemes or protocols involving a neutral third party, e.g. certification authority, notary or trusted third party [TTP]
G06Q 40/02 - Banking, e.g. interest calculation or account maintenance
G06Q 40/00 - FinanceInsuranceTax strategiesProcessing of corporate or income taxes
G06Q 50/00 - Information and communication technology [ICT] specially adapted for implementation of business processes of specific business sectors, e.g. utilities or tourism
Apparatuses, methods, systems, and program products are presented for securing data based on randomization. An apparatus includes a security component that is configured to determine, during compile time of an application, at least one random value used to determine a partition size, a set of storage locations, and an access threshold for a data element during execution of the application. An apparatus includes a partition module that is configured to partition a data element into a plurality of data segments that each have a size that is randomly determined, during execution of an application, based on at least one random value to determine the partition size. An apparatus includes a storage module that is configured to randomly determine a first set of storage locations for a plurality of data segments, during execution of an application, based on at least one random value for the set of storage locations.
G06F 21/62 - Protecting access to data via a platform, e.g. using keys or access control rules
G06F 21/78 - Protecting specific internal or peripheral components, in which the protection of a component leads to protection of the entire computer to assure secure storage of data
G06F 21/00 - Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
Apparatuses, systems, methods, and computer program products are presented for multi-platform testing automation. A method includes electrically triggering, with a rotate command, at least one mechanical actuator to rotate a frame to successively present different faces of the frame to a camera of a mobile hardware device. A method includes simulating one or more touch input events on a mobile hardware device with a delay period between each of the simulated one or more touch input events for each successively presented different face of a frame. A method includes receiving data associated with simulated one or more touch input events and a camera of a mobile hardware device from the mobile hardware device over a data network.
Apparatuses, methods, computer program products, and systems are disclosed for payment processing. An apparatus includes one or more processors and one or more memories that store code executable by the one or more processors to exchange payment information for a transaction wirelessly between a mobile hardware computing device of a user and a hardware payment terminal for a merchant, to validate an availability of funds for the transaction using an electronic interface for an account for the user at a third-party institution, and to electronically transfer the funds directly from the account for the user to an account for the merchant to complete the transaction.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
Apparatuses, systems, methods, and computer program products are presented for multi-platform testing automation. A method includes electrically triggering, with a rotate command, at least one mechanical actuator to rotate a frame to successively present different faces of the frame to a camera of a mobile hardware device. A method includes simulating one or more touch input events on a mobile hardware device for each successively presented different face of a frame. A method includes receiving data associated with simulated one or more touch input events and a camera of a mobile hardware device from the mobile hardware device over a data network. Received data includes a hierarchical scene tree having a plurality of nodes associated with objects displayed on a screen of at least one of the mobile hardware devices. A method includes dynamically altering a parameter of one or more nodes based on user input.
42 - Scientific, technological and industrial services, research and design
Goods & Services
Cloud computing featuring software for use authenticating third parties and securely transferring financial data to the third party; Application service provider featuring application programming interface (API) software; Application service provider featuring application programming interface (API) software for sharing financial data between authorized parties with user consent; Design and development of computer software for sharing financial data; Providing temporary use of non-downloadable cloud-based software for a financial data sharing platform; Software as a service (SAAS) services featuring software for sharing user financial data from a user's financial institution on the user's behalf; Software as a service (SAAS) services, namely, hosting software for use by others for use providing secure access to financial transaction data over a network
Apparatuses, methods, computer program products, and systems are disclosed for payment processing. An apparatus includes one or more processors and one or more memories that store code executable by the one or more processors to exchange payment information for a transaction wirelessly between a mobile hardware computing device (102) of a user (402) and a hardware payment terminal (112) for a merchant (108, 404), to validate an availability of funds for the transaction using an electronic interface for an account for the user (402) at a third-party institution (114), and to electronically transfer the funds directly from the account for the user (402) to an account for the merchant (108, 404) to complete the transaction.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
G06Q 20/12 - Payment architectures specially adapted for electronic shopping systems
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
Apparatuses, methods, systems, and program products are disclosed for optimizing aggregation routing over a network. An apparatus includes a processor and a memory that stores code executable by the processor. The code is executable by the processor to select a data aggregator server from a plurality of data aggregator servers to service a request for aggregated account data based on a plurality of factors associated with each of the plurality of data aggregator servers, format a request for the aggregated account data to be compatible with the selected data aggregator server, route the formatted request over the network to the selected data aggregator server, receive the requested aggregated account data over the network from the selected data aggregator server, populate a form for a personal financial manager (“PFM”) with the aggregated account data, output the populated form to the PFM, and present the aggregated account data to a user.
G06F 15/16 - Combinations of two or more digital computers each having at least an arithmetic unit, a program unit and a register, e.g. for a simultaneous processing of several programs
G06Q 40/00 - FinanceInsuranceTax strategiesProcessing of corporate or income taxes
G06Q 40/02 - Banking, e.g. interest calculation or account maintenance
G06F 16/2458 - Special types of queries, e.g. statistical queries, fuzzy queries or distributed queries
G06F 16/9535 - Search customisation based on user profiles and personalisation
G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
Apparatuses, systems, methods, and computer program products are presented for aggregation platform permissions. A hardware computing device is configured to aggregate a user's data from a first plurality of third-party service providers over a data network for the user to access through a second plurality of third-party service providers, the hardware computing device comprising a trusted intermediary between the first plurality of third-party service providers and the second plurality of third-party service providers. A permissions module is configured to monitor which of a second plurality of third-party service providers have access to which portions of data from which of a first plurality of third-party service providers. A graphical user interface is configured to display one or more user interface elements allowing a user to grant and/or revoke access to portions of data from a first plurality of third-party service providers individually to a second plurality of third-party service providers.
H04L 67/125 - Protocols specially adapted for proprietary or special-purpose networking environments, e.g. medical networks, sensor networks, networks in vehicles or remote metering networks involving control of end-device applications over a network
H04L 67/10 - Protocols in which an application is distributed across nodes in the network
Apparatuses, systems, methods, and computer program products are presented for aggregation platform permissions. A hardware computing device is configured to aggregate a user's data from a first plurality of third-party service providers over a data network for the user to access through a second plurality of third-party service providers. A permissions module is configured to monitor which of a second plurality of third-party service providers have access to which portions of data from which of a first plurality of third-party service providers. A graphical user interface is configured to display one or more user interface elements allowing a user to grant and/or revoke access to portions of data from a first plurality of third-party service providers individually to a second plurality of third-party service providers and indications of whether the second plurality of third-party service providers have valid electronic credentials for the first plurality of third-party service providers.
H04L 67/125 - Protocols specially adapted for proprietary or special-purpose networking environments, e.g. medical networks, sensor networks, networks in vehicles or remote metering networks involving control of end-device applications over a network
H04L 67/10 - Protocols in which an application is distributed across nodes in the network
Apparatuses, systems, methods, and computer program products are presented for aggregation platform permissions. A hardware computing device is configured to aggregate a user's data from a first plurality of third-party service providers for the user to access through a second plurality of third-party service providers. A permissions module is configured to monitor which of a second plurality of third-party service providers have access to which portions of data from which of a first plurality of third-party service providers. A graphical user interface is configured to display one or more user interface elements allowing a user to grant and/or revoke access to portions of data from a first plurality of third-party service providers individually to a second plurality of third-party service providers and an interface to update a password that the second plurality of third-party service providers uses to access the user's data from the first plurality of third-party service providers.
H04L 67/125 - Protocols specially adapted for proprietary or special-purpose networking environments, e.g. medical networks, sensor networks, networks in vehicles or remote metering networks involving control of end-device applications over a network
H04L 67/10 - Protocols in which an application is distributed across nodes in the network
Apparatuses, systems, methods, and computer program products are presented for aggregation platform permissions. A hardware computing device is configured to aggregate a user's data from a first plurality of third-party service providers for the user to access through a second plurality of third-party service providers. A permissions module is configured to monitor which of a second plurality of third-party service providers have access to which portions of data from which of a first plurality of third-party service providers. A graphical user interface is configured to prompt a user with one or more user interface elements allowing the user to grant and revoke access to portions of data from a first plurality of third-party service providers individually to a second plurality of third-party service providers in response to an individual third-party service provider from the second plurality of third-party service providers requesting access to portions of the data.
H04L 67/125 - Protocols specially adapted for proprietary or special-purpose networking environments, e.g. medical networks, sensor networks, networks in vehicles or remote metering networks involving control of end-device applications over a network
H04L 67/10 - Protocols in which an application is distributed across nodes in the network
Apparatuses, systems, methods, and computer program products are presented for a propensity module based optimization. An apparatus comprises a processor and a memory that stores code executable by the processor to receive an electronic submission for a pass/fail interface, identify information from the electronic submission to suggest to a user for entering into an input field for the pass/fail interface prior to submitting the electronic submission to the pass/fail interface to reduce a likelihood that the electronic submission will be rejected at the pass/fail interface, determine the likelihood that the electronic submission will be accepted by the pass/fail interface, and submit the electronic submission to the pass/fail interface in response to the likelihood satisfying a threshold.
G06F 16/583 - Retrieval characterised by using metadata, e.g. metadata not derived from the content or metadata generated manually using metadata automatically derived from the content
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
Apparatuses, systems, methods, and computer program products are presented for multi-platform testing automation. A method includes electrically triggering, with a rotate command, at least one mechanical actuator to rotate a frame to successively present different faces of the frame to a camera of a mobile hardware device. A method includes simulating one or more touch input events on a mobile hardware device for each successively presented different face of a frame. A method includes receiving data associated with simulated one or more touch input events and a camera of a mobile hardware device from the mobile hardware device over a data network.
Apparatuses, methods, systems, and program products are disclosed for watermark security. An apparatus includes a watermark module configured to generate a digital watermark to be presented as part of a graphical interface based on data presented on the graphical interface. A digital watermark verifies an authenticity of data to be presented in a graphical interface. An apparatus includes a presentation module configured to embed the digital watermark into the graphical interface prior to the data being presented in the graphical interface such that the digital watermark is graphically imperceptible to a user, dynamically update the digital watermark during runtime in response to detecting a change in the at least a portion of the data that is encoded into the digital watermark, and re-embed the digital watermark into the graphical interface in response to the digital watermark being updated.
G06F 3/0484 - Interaction techniques based on graphical user interfaces [GUI] for the control of specific functions or operations, e.g. selecting or manipulating an object, an image or a displayed text element, setting a parameter value or selecting a range
Apparatuses, systems, methods, and program products are disclosed for data synchronization. An apparatus includes a processor and a memory that stores code executable by the processor to maintain a list of user devices for a user that are enabled for communicating with a core computer system, maintain lists of data changes made to the database of user data separately for each of the user devices, prefilter the data changes for the user devices such that only preselected types of data changes are used to update the user data on the user devices, and, in response to detecting a data change to the user data for at least one of the user devices, send a real-time notification to other user devices for the user of the data change to prompt data synchronization on the other user devices.
G06F 15/16 - Combinations of two or more digital computers each having at least an arithmetic unit, a program unit and a register, e.g. for a simultaneous processing of several programs
H04L 67/1095 - Replication or mirroring of data, e.g. scheduling or transport for data synchronisation between network nodes
63.
Method for providing intuitively understandable visual representation of personal budgeting information
Apparatuses, methods, program products, and systems are disclosed for providing intuitively understandable visual representation of personal budgeting information. An apparatus includes a processor, a display device, and a memory that stores code executable by the processor to generate a graphical representation of a total budget for a user as a function of a total budget amount and a size of a viewing area of the display device, generate one or more graphical representations of individual budget items of the total budget as a function of budget amounts for each of the individual budget items and the size of the viewing area of the display device, and present the graphical representation of the total budget and the one or more graphical representations of the individual budget items together on the display device sized according to the size of the viewing area of the display device.
Apparatuses, methods, systems, and program products are disclosed for graphically representing relative status in a parent-child relationship. An apparatus includes a processor and a memory that stores code executable by the processor to generate a plurality of graphical representations of budgets for tracking a user's income and expenses, determine a parent-child relationship between each of the plurality of budgets to determine each parent budget and each child budget associated with each parent budget, and present each graphical representation of a parent budget of the plurality of budgets and a budget meter within each graphical representation of the parent budget that represents a portion of the parent budget that has been used according to the child budgets of the parent budget.
Apparatuses, methods, program products, and systems are disclosed for accessible remote deposit capture. An apparatus includes a position module that determines a position of a hardware device relative to a document based on input captured from a camera of the hardware device. An apparatus includes a direction module that determines one or more directions for moving a hardware device relative to a document to position the document within a predefined area of a field of view of a camera. An apparatus includes an accessibility module that provides accessibility feedback via a hardware device based on determined one or more directions. Accessibility feedback includes feedback for assisting a user that has a visual impairment with positioning a hardware device such that a document is within a predefined area of a field of view of a camera.
G06K 9/00 - Methods or arrangements for reading or recognising printed or written characters or for recognising patterns, e.g. fingerprints
G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
Apparatuses, methods, program products, and systems are disclosed for accessible remote deposit capture. An apparatus includes a position module (302) that determines a position of a hardware device (102) relative to a document based on input captured from a camera (202) of the hardware device (102). An apparatus includes a direction module (304) that determines one or more directions for moving a hardware device (102) relative to a document to position the document within a predefined area of a field of view of a camera (202). An apparatus includes an accessibility module (306) that provides accessibility feedback via a hardware device (102) based on determined one or more directions. Accessibility feedback includes feedback for assisting a user that has a visual impairment with positioning a hardware device (102) such that a document is within a predefined area of a field of view of a camera (202).
G06K 9/32 - Aligning or centering of the image pick-up or image-field
G06T 7/73 - Determining position or orientation of objects or cameras using feature-based methods
G06F 3/0484 - Interaction techniques based on graphical user interfaces [GUI] for the control of specific functions or operations, e.g. selecting or manipulating an object, an image or a displayed text element, setting a parameter value or selecting a range
Consultancy and advisory services in the field of business strategy; Consultancy regarding advertising communication strategies; Consultation services in the field of company, business sector and industry data and research; Consulting services in the field of internet marketing; Advertising and marketing consultancy; Business consultation and management regarding marketing activities and launching of new products; Business consultation in the field of strategy, marketing, data analysis, data architecture, technical services, and consumer advocacy for financial institutions; Business consultation services; Business consulting services in the field of data analysis, architecture, and marketing for financial institutions; Business assistance, advisory and consulting services in the field of banking and financial institutions; Consumer marketing research and consulting related thereto; Consumer strategy business consulting in the fields of marketing, sales, operation, and product design particularly specializing in the use of analytic models for the understanding and predicting of consumer, business, and retail market trends and actions; Market research consultation; Marketing consultation in the field of aggregated financial transaction data for financial institutions; Marketing consulting; Professional business consulting; Promotion and marketing services and related consulting
Apparatuses, systems, methods, and computer program products are disclosed for scrape repair. A method includes detecting that access to a third party service provider is unavailable. A method includes presenting an interface to a user to graphically identify an input location for the user's electronic credentials on a web page of the third party service provider. A method includes receiving input, via the interface, from a user indicating a correct location on the web page of the third party for the user's electronic credentials.
G06F 15/16 - Combinations of two or more digital computers each having at least an arithmetic unit, a program unit and a register, e.g. for a simultaneous processing of several programs
H04L 29/06 - Communication control; Communication processing characterised by a protocol
G06F 21/62 - Protecting access to data via a platform, e.g. using keys or access control rules
H04L 41/22 - Arrangements for maintenance, administration or management of data switching networks, e.g. of packet switching networks comprising specially adapted graphical user interfaces [GUI]
Apparatuses, systems, methods, and computer program products are disclosed for distributed and/or decentralized data aggregation. A method includes determining a user's electronic credentials for a plurality of third party service providers. A method includes accessing each of a plurality of third party service providers, from a hardware device associated with a user, using the user's electronic credentials, to download data associated with the user from the third party service providers. A method includes aggregating downloaded data from third party service providers and providing one or more of alerts and messages to the user on the hardware device in response to the aggregated downloaded data.
G06F 15/16 - Combinations of two or more digital computers each having at least an arithmetic unit, a program unit and a register, e.g. for a simultaneous processing of several programs
H04L 67/02 - Protocols based on web technology, e.g. hypertext transfer protocol [HTTP]
H04L 67/10 - Protocols in which an application is distributed across nodes in the network
H04L 41/22 - Arrangements for maintenance, administration or management of data switching networks, e.g. of packet switching networks comprising specially adapted graphical user interfaces [GUI]
Apparatuses, systems, methods, and computer program products are disclosed for item level data aggregation. A method includes identifying a transaction made with a third party within a set of transactions. A method includes using electronic credentials for a user to login to an account of the user at a third party. A method includes downloading item-level data from a third party that corresponds to an identified transaction in response to logging into a user's account at a third party. Item-level data identifies one or more items within an identified transaction. A method includes displaying a set of transactions to a user. A method includes displaying item-level data for one or more items within an identified transaction to a user in response to receiving input from the user relative to the identified transaction in a displayed set of transactions.
Apparatuses, systems, methods, and program products are disclosed. An apparatus includes a processor and a memory that stores code executable by the processor to generate a first graphical representation of a total budget based on an amount of the total budget and an expense amount of the total budget amount, generate one or more second graphical representations of categories of sub-budgets of the total budget amount based on an amount of the total budget for the category and an expense amount of the total budget amount for the category, and graphically present, on a display, the first graphical representation and the one or more second graphical representations adjacent to the first graphical representation such that the first graphical representation and the one or more second graphical representations are dynamically sized relative to one another based on the total budget amounts for each graphical representation and a size of the display.
Apparatuses, methods, systems, and program products are disclosed for secure data handling and storage. An apparatus includes a lock module that receives a request to decrypt encrypted data that is stored in a data repository, the encrypted data encrypted using a first encryption key, and unlocks an encryption engine in response to the request. An encryption engine may be unlocked using a master key that is generated based on combination of a plurality of keys held by a plurality of key holders. An apparatus includes a decryption module that decrypts encrypted data using an encryption engine. Encrypted data may be decrypted using a first encryption key. An apparatus includes an encryption module that re-encrypts decrypted data using an encryption engine. Decrypted data may be re-encrypted with a second encryption key that is different than a first encryption key and stored in a data repository.
Apparatuses, methods, systems, and computer program products are presented for dynamic feature and performance testing and adjustment. An audit module is configured to dynamically test a plurality of image capture settings for a camera of a mobile device of an end user in an executable mobile application executing on the mobile device. A feature module is configured to select one of a plurality of image capture settings for a camera of a mobile device based on a dynamic test. An adjustment module is configured to dynamically configure, during runtime of an executable mobile application on a plurality of different mobile devices of different end users, the different mobile devices to use a selected one of a plurality of image capture settings.
Apparatuses, systems, methods, and computer program products are disclosed for distributed and/or decentralized data aggregation. A method includes detecting a change in access to one or more of a server of a third party service provider and data associated with a user. A method includes providing an interface to the user allowing the user to graphically identify one or more of an input location for electronic credentials for the user and a location of the data associated with the user. A method includes downloading the data associated with the user from the server of the third party service provider to a hardware device of the user based on the user's identification.
G06F 15/16 - Combinations of two or more digital computers each having at least an arithmetic unit, a program unit and a register, e.g. for a simultaneous processing of several programs
H04L 29/06 - Communication control; Communication processing characterised by a protocol
G06F 21/62 - Protecting access to data via a platform, e.g. using keys or access control rules
Apparatuses, systems, methods, and computer program products are disclosed for distributed and/or decentralized data aggregation. A method includes setting a frequency for accessing a server of a third party service provider based on input from a remote device unaffiliated with the third party service provider, such that the remote device determines frequencies for a plurality of different users and different hardware devices accessing the server of the third party service provider. A method includes accessing the server of the third party service provider, from the hardware device of a user, using electronic credentials for the user according to the set frequency. A method includes downloading data associated with the user from the server of the third party service provider to the hardware device of the user.
G06F 15/16 - Combinations of two or more digital computers each having at least an arithmetic unit, a program unit and a register, e.g. for a simultaneous processing of several programs
H04L 29/06 - Communication control; Communication processing characterised by a protocol
G06F 21/62 - Protecting access to data via a platform, e.g. using keys or access control rules
Apparatuses, systems, methods, and computer program products are disclosed for virtual sub accounts 404, 406, 408. An apparatus includes an actual account module 202 that receives information for an actual user account 402 at a financial institution 110. An apparatus includes a virtual account module 204 that creates a virtual account 404, 406, 408 that comprises a simulated user account 404, 406, 408 at a financial institution 110 that is managed by an actual user account 402. An apparatus includes a linking module 206 that links a virtual account 404, 406, 408 to an actual user account 402 so that the actual user account 402 manages the virtual account 404, 406, 408.
42 - Scientific, technological and industrial services, research and design
Goods & Services
Platform as a service (PAAS) featuring computer software platforms for connecting financial institutions and financial technology service providers; Application service provider featuring application programming interface (API) software; Application service provider featuring application programming interface (API) software for connecting financial institutions, mobile applications, websites, and third-party service providers; Providing temporary use of online non-downloadable middleware for providing an interface between financial institutions and financial technology service providers; Software as a service (SAAS) services featuring software for middleware and business logic between financial institutions and third-party service providers; Software as a service (SAAS) services, namely, hosting software for use by others for use as an exchange layer between mobile applications and websites for financial institutions and financial technology service providers
42 - Scientific, technological and industrial services, research and design
Goods & Services
Platform as a service (PAAS) featuring computer software platforms for connecting financial institutions and financial technology service providers; Application service provider featuring application programming interface (API) software; Application service provider featuring application programming interface (API) software for connecting financial institutions, mobile applications, websites, and third-party service providers; Providing temporary use of online non-downloadable middleware for providing an interface between financial institutions and financial technology service providers; Software as a service (SAAS) services featuring software for middleware and business logic between financial institutions and third-party service providers; Software as a service (SAAS) services, namely, hosting software for use by others for use as an exchange layer between mobile applications and websites for financial institutions and financial technology service providers
Apparatuses, systems, methods, and computer program products are disclosed for virtual sub accounts. An apparatus includes an actual account module that receives information for an actual user account at a financial institution. An apparatus includes a virtual account module that creates a virtual account that comprises a simulated user account at a financial institution that is managed by an actual user account. An apparatus includes a linking module that links a virtual account to an actual user account so that the actual user account manages the virtual account.
G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
G06Q 50/00 - Information and communication technology [ICT] specially adapted for implementation of business processes of specific business sectors, e.g. utilities or tourism
G06Q 20/32 - Payment architectures, schemes or protocols characterised by the use of specific devices using wireless devices
G06Q 20/06 - Private payment circuits, e.g. involving electronic currency used only among participants of a common payment scheme
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
G06Q 20/34 - Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
G06Q 20/36 - Payment architectures, schemes or protocols characterised by the use of specific devices using electronic wallets or electronic money safes
G06Q 20/42 - Confirmation, e.g. check or permission by the legal debtor of payment
80.
AUTOMATED ENTERPRISE TRANSACTION DATA AGGREGATION AND ACCOUNTING
Apparatuses, systems, methods, and computer program products are presented for automated enterprise transaction data aggregation and accounting. A hardware computer server is configured to create metadata records for a plurality of transactions for one or more accounts. A hardware computer server is configured to determine a category for each of the transactions based on the metadata records. A hardware computer server is configured to select an offer for a product based on determined categories and created metadata records. Computer executable program code installed on a non-transitory computer readable storage medium of a hardware device comprises operations configured to receive, from a network interface of a hardware computer server over a network interface of the hardware device, an offer for a product and to display the offer for a product to a user on an electronic display of the hardware device.
Apparatuses, systems, methods, and computer program products are presented for automated enterprise transaction data aggregation and accounting. A hardware computer server (110) is configured to create metadata records for a plurality of transactions for one or more accounts. A hardware computer server (110) is configured to determine a category for each of the transactions based on the metadata records. A hardware computer server (110) is configured to select an offer for a product based on determined categories and created metadata records. Computer executable program code installed on a non-transitory computer readable storage medium of a hardware device (102) comprises operations configured to receive, from a network interface of a hardware computer server (110) over a network interface of the hardware device (102), an offer for a product and to display the offer for a product to a user on an electronic display of the hardware device (102).
G06F 16/14 - Details of searching files based on file metadata
G06F 16/2457 - Query processing with adaptation to user needs
G06F 16/383 - Retrieval characterised by using metadata, e.g. metadata not derived from the content or metadata generated manually using metadata automatically derived from the content
G06F 17/18 - Complex mathematical operations for evaluating statistical data
G06Q 10/04 - Forecasting or optimisation specially adapted for administrative or management purposes, e.g. linear programming or "cutting stock problem"
G06Q 30/06 - Buying, selling or leasing transactions
G06Q 40/02 - Banking, e.g. interest calculation or account maintenance
G06Q 40/04 - Trading Exchange, e.g. stocks, commodities, derivatives or currency exchange
G06Q 40/06 - Asset managementFinancial planning or analysis
Apparatuses, systems, methods, and computer program products are disclosed for distributed and/or decentralized data aggregation. A method includes accessing each of a plurality of third party service providers, from a hardware device associated with a user, using the user's determined electronic credentials, to download data associated with the user from the third party service providers. A method includes accessing one or more other locations on one or more of a third party service providers, with one or more artificially introduced delays between accessing the one or more other locations and downloading data, thereby emulating a use pattern of a user for the one or more of the third party service providers. A method includes aggregating downloaded data from third party service providers and providing one or more communications to a user on a hardware device based on the aggregated downloaded data.
G06F 15/16 - Combinations of two or more digital computers each having at least an arithmetic unit, a program unit and a register, e.g. for a simultaneous processing of several programs
H04L 29/06 - Communication control; Communication processing characterised by a protocol
G06F 21/62 - Protecting access to data via a platform, e.g. using keys or access control rules
Apparatuses, systems, methods, and computer program products are disclosed for distributed and/or decentralized data aggregation. A method includes accessing each of a plurality of third party service providers, from a hardware device associated with a user, using the user's electronic credentials, to download data associated with the user from the third party service providers. A method includes determining whether a hardware device associated with a user is available to download data associated with the user. A method includes accessing one or more of the third party service providers, from a different device, using the user's electronic credentials, to download the data associated with the user to the different device, in response to determining that the hardware device associated with the user is unavailable to download the data.
G06F 15/16 - Combinations of two or more digital computers each having at least an arithmetic unit, a program unit and a register, e.g. for a simultaneous processing of several programs
H04L 29/06 - Communication control; Communication processing characterised by a protocol
G06F 21/62 - Protecting access to data via a platform, e.g. using keys or access control rules
42 - Scientific, technological and industrial services, research and design
Goods & Services
Platform as a service (PAAS) featuring computer software platforms for connecting financial institutions and financial technology service providers; Application service provider featuring application programming interface (API) software; Application service provider featuring application programming interface (API) software for integrating the services of financial technology service providers; Providing a web hosting platform for providing financial transaction data between financial institutions and financial technology service providers; Software as a service (SAAS) services featuring software for integrating services of financial technology service providers with the services of financial institutions; Software as a service (SAAS) services, namely, hosting software for use by others for use accessing services of third party service providers using a unified application programming interface
42 - Scientific, technological and industrial services, research and design
Goods & Services
Platform as a service (PAAS) featuring computer software platforms for connecting financial institutions and financial technology service providers; Application service provider featuring application programming interface (API) software; Application service provider featuring application programming interface (API) software for integrating the services of financial technology service providers; Providing a web hosting platform for providing financial transaction data between financial institutions and financial technology service providers; Software as a service (SAAS) services featuring software for integrating services of financial technology service providers with the services of financial institutions; Software as a service (SAAS) services, namely, hosting software for use by others for use accessing services of third party service providers using a unified application programming interface
42 - Scientific, technological and industrial services, research and design
Goods & Services
Platform as a service (PAAS) featuring computer software platforms for embeddable mobile widgets in the fields of personal finance budgeting, financial management, and financial planning sold directly to financial institutions; Application service provider featuring application programming interface (API) software sold directly to financial institutions; Application service provider featuring application programming interface (API) software for personal finance budgeting, financial management, and financial planning sold directly to financial institutions; Software as a service (SAAS) services featuring software for personal finance budgeting, financial management, and financial planning sold directly to financial institutions; Software as a service (SAAS) services, namely, hosting software for use by others for use displaying customizable widgets for personal finance budgeting, financial management, and financial planning tools sold directly to financial institutions; * all the foregoing relating to personal finance services *
42 - Scientific, technological and industrial services, research and design
Goods & Services
Platform as a service (PAAS) featuring computer software platforms for embeddable mobile widgets in the fields of personal finance budgeting, financial management, and financial planning sold directly to financial institutions; Application service provider featuring application programming interface (API) software sold directly to financial institutions; Application service provider featuring application programming interface (API) software for personal finance budgeting, financial management, and financial planning sold directly to financial institutions; Software as a service (SAAS) services featuring software for personal finance budgeting, financial management, and financial planning sold directly to financial institutions; Software as a service (SAAS) services, namely, hosting software for use by others for use displaying customizable widgets for personal finance budgeting, financial management, and financial planning tools sold directly to financial institutions
88.
Predicting input locations for data aggregation using machine learning
Apparatuses, systems, methods, and computer program products are disclosed for distributed and/or decentralized data aggregation. A method includes determining a user's electronic credentials for a third party service provider. A method includes detecting that access to a third party service provider is unavailable. A method includes processing, using machine learning, a website of a third party service provider to determine a prediction of an input location for a user's electronic credentials. A method includes accessing a third party service provider using a predicted input location for a user's electronic credentials to download data associated with the user from the third party service provider.
G06F 15/16 - Combinations of two or more digital computers each having at least an arithmetic unit, a program unit and a register, e.g. for a simultaneous processing of several programs
H04L 29/06 - Communication control; Communication processing characterised by a protocol
G06F 21/62 - Protecting access to data via a platform, e.g. using keys or access control rules
Apparatuses, methods, systems, and program products are disclosed for optimizing aggregation routing over a network. An apparatus includes a processor and a memory that stores code executable by the processor. The code is executable by the processor to receive a request for aggregated account data accessible from a data aggregator server, select a data aggregator server from a plurality of data aggregator servers to service the request for the aggregated account data based on a plurality of factors associated with each of the plurality of data aggregator servers, format a request for the aggregated account data to be compatible with the selected data aggregator server, route the formatted request over the network to the selected data aggregator server, and receive the requested aggregated account data over the network from the selected data aggregator server.
G06F 15/16 - Combinations of two or more digital computers each having at least an arithmetic unit, a program unit and a register, e.g. for a simultaneous processing of several programs
G06Q 40/00 - FinanceInsuranceTax strategiesProcessing of corporate or income taxes
G06Q 40/02 - Banking, e.g. interest calculation or account maintenance
G06F 16/2458 - Special types of queries, e.g. statistical queries, fuzzy queries or distributed queries
G06F 16/9535 - Search customisation based on user profiles and personalisation
G06Q 20/10 - Payment architectures specially adapted for electronic funds transfer [EFT] systemsPayment architectures specially adapted for home banking systems
H04L 12/709 - Route fault prevention or recovery, e.g. rerouting, route redundancy, virtual router redundancy protocol [VRRP] or hot standby router protocol [HSRP] using path redundancy using M+N parallel active paths
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
Apparatuses, system, methods, and computer program products are presented for presenting content based on location. A location module monitors location data from one or more sensors of a hardware device for a user relative to a plurality of target locations. A target location is associated with one or more items for sale. A selection module selects an offer to finance an item for sale for a user based at least in part on financial transaction data for the user. An offer module dynamically provides an offer to a user in response to monitored location data from one or more sensors satisfying a target location.
Apparatuses, systems, methods, and computer program products are presented for multi-platform testing automation. An apparatus includes one or more hardware server devices in communication with an array of mobile hardware devices over a data network. A hardware server device is configured to simulate one or more touch input events on mobile hardware devices over a data network. A hardware server is configured to receive data associated with simulated one or more touch input events from mobile hardware devices over a data network.
Apparatuses, systems, methods, and computer program products are disclosed for automated event migration. A method includes aggregating a set of events from one or more servers to a trusted hardware device. Certain different events of a set of events may be associated with different service providers. A method includes identifying, on a trusted hardware device, a repeating event from a set of events. A method includes prompting a user to migrate subsequent instances of a repeating event from one service provider to a different service provider of a plurality of service providers. A method includes migrating subsequent instances of a repeating event, using a user's electronic credentials, from one service provider to a different service provider in response to the user accepting a prompt.
Apparatuses, systems, methods, and computer program products are presented for an aggregation platform filter. A hardware computing device is configured to download users' data from a first plurality of third-party service providers over a data network on behalf of the users for a second plurality of third-party service providers. A filter module is configured monitor electronic credentials of users used by a hardware computing device to download the users' data. A filter module is configured to detect similar electronic credentials of a user for the same third-party service provider from a first plurality being used for multiple third-party service providers from a second plurality of third-party service providers. A filter module is configured to share, with multiple third-party service providers, the same data downloaded by a hardware computing device from a same third-party service provider with similar electronic credentials using a same session identity.
H04L 67/125 - Protocols specially adapted for proprietary or special-purpose networking environments, e.g. medical networks, sensor networks, networks in vehicles or remote metering networks involving control of end-device applications over a network
H04L 67/10 - Protocols in which an application is distributed across nodes in the network
Apparatuses, systems, methods, and computer program products are presented for an aggregation platform portal. A hardware computing device is configured to aggregate a user's data from a first plurality of third-party service providers over a data network for the user to access through a second plurality of third-party service providers. A portal module is configured to monitor electronic credentials of a user used by a hardware computing device to download the user's data and to detect similar electronic credentials for the same third-party service provider from a first plurality being used for multiple third-party service providers from a second plurality. A graphical user interface is configured to display a listing of multiple third-party service providers with user interface elements allowing a user to revoke authorization of aggregation of data from one or more third-party service providers and/or to update electronic credentials for one or more of multiple third-party service providers.
H04L 67/125 - Protocols specially adapted for proprietary or special-purpose networking environments, e.g. medical networks, sensor networks, networks in vehicles or remote metering networks involving control of end-device applications over a network
H04L 67/10 - Protocols in which an application is distributed across nodes in the network
Apparatuses, systems, methods, and computer program products are presented for aggregation platform permissions. A hardware computing device is configured to aggregate a user's data from a first plurality of third-party service providers over a data network for the user to access through a second plurality of third-party service providers. A permissions module is configured to monitor which of a second plurality of third-party service providers have access to which portions of data from which of a first plurality of third-party service providers. A graphical user interface is configured to display one or more user interface elements allowing a user to grant and/or revoke access to portions of data from a first plurality of third-party service providers individually to a second plurality of third-party service providers.
Apparatuses, systems, methods, and computer program products are presented for mobile device based identity verification. An apparatus includes a data module configured to receive sensor data from a hardware device associated with a user. An apparatus includes a transaction module configured to receive transaction data associated with a transaction. An apparatus includes a verification module configured to verify an identity of a user making a transaction based on received sensor data. A transaction may be allowed in response to verifying a user's identity.
G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists
G06Q 30/0207 - Discounts or incentives, e.g. coupons or rebates
Apparatuses, methods, systems, and program products are disclosed for early data breach detection. An apparatus includes a data module configured to receive user data from a darknet. User data may include user credential information that has been misappropriated. An apparatus includes a match module configured to determine whether user credential information matches a user's credentials for a user's one or more online accounts. An apparatus includes an action module configured to trigger a security action related to a user's one or more online accounts to make the user's one or more online accounts more secure in response to determining that user credential data matches the user's credentials at the user's one or more online accounts.
Apparatuses, systems, methods, and computer program products are disclosed for aggregation based credit decisions. An apparatus includes a data module configured to receive transaction data for a user that is aggregated from a plurality of different third-party data sources where the user has accounts. An apparatus includes an analysis module configured to analyze aggregated transaction data using machine learning to determine a credit metric describing a credit worthiness of a user. An apparatus includes a credit module configured to provide a determined credit metric to one or more interested third parties.
42 - Scientific, technological and industrial services, research and design
Goods & Services
Cloud computing featuring software for providing financial visualizations and insights for use by financial institutions; Application service provider, namely, hosting, managing, developing, analyzing, and maintaining applications, software and web sites of others in the fields of financial services and financial technology; Consulting services in the field of the design of mobile and online financial management software; Customizing computer software; Data automation and collection service using proprietary software to evaluate, analyze and collect service data; Design and development of computer software for the financial services industry; Electronic data storage; Electronic storage of aggregated and cleansed financial transaction records; Providing a website featuring non-downloadable software for providing financial data analytics; Providing temporary use of non-downloadable cloud-based software for providing data analytics; Software as a service (SAAS) services featuring software for providing data aggregation and analytics for financial institutions and financial technology companies; Software as a service (SAAS) services featuring software for providing financial institutions the ability to provide financial management tools to customers; Software as a service (SAAS) services, namely, hosting software for use by others for use in collecting, enhancing, analyzing, presenting, and acting on financial data; Temporary electronic storage of information and data
42 - Scientific, technological and industrial services, research and design
Goods & Services
Cloud computing featuring software for providing financial visualizations and insights for use by financial institutions; Application service provider, namely, hosting, managing, developing, analyzing, and maintaining applications, software and web sites of others in the fields of financial services and financial technology; Consulting services in the field of the design of mobile and online financial management software; Customizing computer software; Data automation and collection service using proprietary software to evaluate, analyze and collect service data; Design and development of computer software for the financial services industry; Electronic data storage; Electronic storage of aggregated and cleansed financial transaction records; Providing a website featuring non-downloadable software for providing financial data analytics; Providing temporary use of non-downloadable cloud-based software for providing data analytics; Software as a service (SAAS) services featuring software for providing data aggregation and analytics for financial institutions and financial technology companies; Software as a service (SAAS) services featuring software for providing financial institutions the ability to provide financial management tools to customers; Software as a service (SAAS) services, namely, hosting software for use by others for use in collecting, enhancing, analyzing, presenting, and acting on financial data; Temporary electronic storage of information and data
