Abstract: Systems and methods are described for receiving a request from a data recipient to access information from a data provider associated with a user, wherein the request comprises a data recipient token. The request is validated and in response to validating the request, a secondary token is transmitted to the data provider. The information is received from the data provider and a package of authorized information is generated based on the information received from the data provider. The package of authorized information is transmitted to the data recipient.

Abstract: Systems and methods are described for receiving a request from a data recipient to access information from a data provider associated with a user, wherein the request comprises a data recipient token. The request is validated and in response to validating the request, a secondary token is transmitted to the data provider. The information is received from the data provider and a package of authorized information is generated based on the information received from the data provider. The package of authorized information is transmitted to the data recipient.

Abstract: Systems and methods are described for receiving at an intermediary entity a token from a data provider that enables access to a user's data at a data provider, where the token is received without an intermediary entity receiving user credentials. A request is received from a data recipient to receive data from the data provider, where the token is required to access the data. Data may be received from the data provider using the token, and the received data may be filtered based on a data directive associated with the data provider, to identify which data the data recipient is permitted to access. The identified data may be provided to the data recipient.

Abstract: Systems and methods are described for receiving a request to grant authorization for a data recipient to access user information associated with a data provider, where the request is initiated by a user interacting with a service associated with the data recipient. In response to receiving the request, the user may be re-directed from the service associated with the data recipient to an authenticator associated with the data provider, where the re-directing notifies the data provider of the request. A first token is received from the data provider indicating the user has been successfully authenticated by the authenticator, and a second token is provided to the data recipient. In response to receiving the second token along with a request for user information from the data recipient, user information data is obtained from the data provider using the first token, and the user information data is provided to the data recipient.

Abstract: Systems and methods are described for receiving a first request from a user to grant authorization for a first data recipient to access user information associated with a data provider, and receiving a second request from the user to grant authorization for a second data recipient to access user information associated with the data provider. An authentication token is received from the data provider, where the authentication token enables access to user information associated with the data provider. A first token may be generated for, and provided to, the first data recipient and a second token may be generated for, and provided to, the second data recipient. In response to receiving the first token from the first data recipient, user information data may be provided to the first data recipient. In response to receiving the second token from the second data recipient, user information data may be provided to the second data recipient.

Abstract: Systems and methods are described for receiving at an intermediary entity a token from a data provider that enables access to a user's data at a data provider, where the token is received without an intermediary entity receiving user credentials. A request is received from a data recipient to receive data from the data provider, where the token is required to access the data. Data may be received from the data provider using the token, and the received data may be filtered based on a data directive associated with the data provider, to identify which data the data recipient is permitted to access. The identified data may be provided to the data recipient.

Abstract: A predictive call routing system that includes a real-time decision engine to receive information about a customer and identify a skill that is useful for providing service to the caller. The decision engine identifies the skill by generating scores for a plurality of statistical models using the statistical models and parameters associated with the caller, each statistical model representing a correlation between a subset of parameters and an action that may be performed or requested to be performed by the caller, the score for each statistical model being generated using the statistical model and the subset of parameters associated with the statistical model, and identifies a skill based on the scores. The system includes a call router to route a call from the customer to a representative who has the skill.

Abstract: A predictive call routing system that includes a real-time decision engine to receive information about a customer and identify a skill that is useful for providing service to the caller. The decision engine identifies the skill by generating scores for a plurality of statistical models using the statistical models and parameters associated with the caller, each statistical model representing a correlation between a subset of parameters arid an action that may be performed or requested to be performed by the caller, the score for each statistical model being generated using the statistical model and the subset of parameters associated with the statistical model, and identifies a skill based on the scores. The system includes a call router to route a call from the customer to a representative who has the skill.