Abstract: 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.

Abstract: 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.

Abstract: 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.

Abstract: 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.

Abstract: 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.

Abstract: 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.

Abstract: 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.

Abstract: 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.

Abstract: The disclosure extends to methods, systems, and computer program products for producing financial goal planning having two dimensional and three dimensional graphical representations for financial goals.

Abstract: 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.

Abstract: The disclosure extends to methods, systems, and computer program products for identifying transaction data from within aggregated data and suggesting additional services based on the transaction data. The disclosure also extends to methods, systems, and computer based products for discovering transaction attributes within a database of aggregated account data including, aggregating and matching financial account attributes between a plurality of accounts in order to provide additional services to account holders.

Abstract: 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.

Abstract: 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.

Abstract: 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.

Abstract: 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.

Abstract: 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.

Abstract: 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.

Abstract: 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.

Abstract: 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.

Abstract: 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.