Abstract: A system for communicating property data includes one or more interfaces operable to receive lien data including an identification of a lien on a property, an identification of the holder of the lien, a balance of debt associated with the lien, and a repayment schedule for the amount of debt associated with the lien; and lien authentication data including one or more from the set comprising: a copy of an agreement memorializing the lien, a property title memorializing the lien, and a government record memorializing the lien; one or more memories operable to store the received lien data and the received lien authentication data; and one or more processors operable to: determine, based on the received lien authentication data, that the received lien data is valid, and determine, based on the received lien data, that the received balance of debt associated with the lien needs to be updated.

Abstract: A real-time data processing system is provided comprising a memory device with computer-readable program code stored thereon, a communication device in communication with a network, and a processing device operatively coupled to the memory device and the communication device. The system establishes an operable communication linkage with a first entity system and a second entity system, the first entity system and the second entity system sharing access to a resource repository stored on the second entity system. The system generates a repository image of the resource repository and tracks an interaction with the resource repository in real-time. Based on the tracked interaction, the system synchronizes the repository image with the resource repository, wherein synchronizing the repository image comprises mirroring the interaction on the repository image and updating the first entity system based on the repository image.

Abstract: A system for controlling access to data includes: one or more interfaces operable to receive: an account identifier associated with a financial account and authentication criteria associated with the financial account, the authentication criteria identifying required authentication data based on a value of the transaction; one or more interfaces operable to receive a proposed transaction message, the proposed transaction message including a value of a proposed transaction, an account identifier, and a location of the proposed transaction; one or more processors communicatively coupled to the one or more interfaces, the one or more processors operable to: determine a financial account associated with the received account identifier and determine required authentication data for the proposed transaction based on the received account identifier and received value of the proposed transaction, the required form of authentication including one or more of: biometric authentication and location authentication.

Abstract: A system for communicating property data includes one or more interfaces operable to receive lien data including an identification of a lien on a property, an identification of the holder of the lien, a balance of debt associated with the lien, and a repayment schedule for the amount of debt associated with the lien; and lien authentication data including one or more from the set comprising: a copy of an agreement memorializing the lien, a property title memorializing the lien, and a government record memorializing the lien; one or more memories operable to store the received lien data and the received lien authentication data; and one or more processors operable to: determine, based on the received lien authentication data, that the received lien data is valid, and determine, based on the received lien data, that the received balance of debt associated with the lien needs to be updated.

Abstract: A real-time data processing system is provided comprising a memory device with computer-readable program code stored thereon, a communication device in communication with a network, and a processing device operatively coupled to the memory device and the communication device. The system establishes an operable communication linkage with a first entity system and a second entity system, the first entity system and the second entity system sharing access to a resource repository stored on the second entity system. The system generates a repository image of the resource repository and tracks an interaction with the resource repository in real-time. Based on the tracked interaction, the system synchronizes the repository image with the resource repository, wherein synchronizing the repository image comprises mirroring the interaction on the repository image and updating the first entity system based on the repository image.

Abstract: A system for communicating property data, comprising one or more memories operable to store a lien data for a plurality of properties, the lien data including: an identification of a lien on a property, an identification of the holder of the lien, and a balance of debt associated with the lien; and one or more operable to receive a property payment request from a requesting party, the property payment request including an identification of a subject property; and one or more processors operable to: determine that the subject property is one of the plurality of properties stored on the one or more memories, determine one or more liens associated with the subject property, and determine the lien holder for each determined lien associated with the subject party.

Abstract: A system for communicating property data includes one or more interfaces operable to receive lien data including an identification of a lien on a property, an identification of the holder of the lien, a balance of debt associated with the lien, and a repayment schedule for the amount of debt associated with the lien; and lien authentication data including one or more from the set comprising: a copy of an agreement memorializing the lien, a property title memorializing the lien, and a government record memorializing the lien; one or more memories operable to store the received lien data and the received lien authentication data; and one or more processors operable to: determine, based on the received lien authentication data, that the received lien data is valid, and determine, based on the received lien data, that the received balance of debt associated with the lien needs to be updated.

Abstract: In certain embodiments, a system for real-time data processing includes one or more processors operable to: determine a deposit financial institution and deposit account based on received check data, determine a debit financial institution and debit account based on the received check data, determine that the deposit and debit financial institutions are member financial institutions, determine a debit amount based on received check data; and one or more interfaces operable to: communicate a debit notification to the debit financial institution, the debit notification including at least a portion of the received check data, and receive an authorization notification from the debit financial institution in response to communicating the debit notification, the authorization notification representing a commitment from the debit financial institution to transfer the debit amount to the deposit financial institution.

Abstract: In certain embodiments, a system for real-time overdraft detection includes one or more processors operable to: determine a deposit financial institution and deposit account based on the received check data, determine a debit financial institution and debit account based on the received check data, determine that the deposit financial institution and the debit financial institution are member financial institutions, determine a debit amount based on received check data, determine that the debit account matches an account associated with received account data, and determine that the debit amount exceeds an approved debit amount; the one or more interfaces further operable to communicate a declined transaction notification to the deposit account holder in response to determining that the debit amount exceeds the approved debit amount, the declined transaction notification notifying the deposit account holder that the debit amount cannot be credited to the deposit account holder.

Abstract: A system for controlling access to data, includes: one or more interfaces operable to receive an access point deauthorization message, the access point deauthorization message including one or more access point identifiers; and one or more processors operable to: determine an account identifier associated with the access point identifier included in the received access point deauthorization message, and deauthorize an access point identified by the received access point identifier from accessing the financial account associated with the determined account identifier associated with the received access point identifier.

Abstract: A system for controlling access to data, includes: one or more interfaces operable to receive an access point deauthorization message, the access point deauthorization message including one or more access point identifiers; and one or more processors operable to: determine an account identifier associated with the access point identifier included in the received access point deauthorization message, and deauthorize an access point identified by the received access point identifier from accessing the financial account associated with the determined account identifier associated with the received access point identifier.

Abstract: A system for controlling access to data includes: one or more interfaces operable to receive: an account identifier associated with a financial account and authentication criteria associated with the financial account, the authentication criteria identifying required authentication data based on a value of the transaction; one or more interfaces operable to receive a proposed transaction message, the proposed transaction message including a value of a proposed transaction, an account identifier, and a location of the proposed transaction; one or more processors communicatively coupled to the one or more interfaces, the one or more processors operable to: determine a financial account associated with the received account identifier and determine required authentication data for the proposed transaction based on the received account identifier and received value of the proposed transaction, the required form of authentication including one or more of: biometric authentication and location authentication.

Abstract: A system for controlling access to data, includes: one or more interfaces operable to receive an account alias messages, an account alias message comprising an account alias and one or more account identifiers; receive an account transaction message and a secure socket layer certificate generated with a block chain, the account transaction message comprising an account alias and a proposed transaction, and one or more processors operable to: determine that the received account transaction message is valid based on the received secure socket layer certificate by verifying that information included in the secure socket layer certificate is stored in the block chain, determine an account identifier associated with an account alias received in an account transaction message, and authorize the received proposed transaction for a financial account associated with the determined account identifier.

Abstract: A system for communicating property data includes one or more interfaces operable to receive lien data including an identification of a lien on a property, an identification of the holder of the lien, a balance of debt associated with the lien, and a repayment schedule for the amount of debt associated with the lien; and lien authentication data including one or more from the set comprising: a copy of an agreement memorializing the lien, a property title memorializing the lien, and a government record memorializing the lien; one or more memories operable to store the received lien data and the received lien authentication data; and one or more processors operable to: determine, based on the received lien authentication data, that the received lien data is valid, and determine, based on the received lien data, that the received balance of debt associated with the lien needs to be updated.

Abstract: In certain embodiments, a system for real-time data processing includes one or more processors operable to: determine a deposit financial institution and deposit account based on received check data, determine a debit financial institution and debit account based on the received check data, determine that the deposit and debit financial institutions are member financial institutions, determine a debit amount based on received check data; and one or more interfaces operable to: communicate a debit notification to the debit financial institution, the debit notification including at least a portion of the received check data, and receive an authorization notification from the debit financial institution in response to communicating the debit notification, the authorization notification representing a commitment from the debit financial institution to transfer the debit amount to the deposit financial institution.

Abstract: In certain embodiments, a system for real-time overdraft detection includes one or more processors operable to: determine a deposit financial institution and deposit account based on the received check data, determine a debit financial institution and debit account based on the received check data, determine that the deposit financial institution and the debit financial institution are member financial institutions, determine a debit amount based on received check data, determine that the debit account matches an account associated with received account data, and determine that the debit amount exceeds an approved debit amount; the one or more interfaces further operable to communicate a declined transaction notification to the deposit account holder in response to determining that the debit amount exceeds the approved debit amount, the declined transaction notification notifying the deposit account holder that the debit amount cannot be credited to the deposit account holder.

Abstract: A system for communicating property data, comprising one or more memories operable to store a lien data for a plurality of properties, the lien data including: an identification of a lien on a property, an identification of the holder of the lien, and a balance of debt associated with the lien; and one or more operable to receive a property payment request from a requesting party, the property payment request including an identification of a subject property; and one or more processors operable to: determine that the subject property is one of the plurality of properties stored on the one or more memories, determine one or more liens associated with the subject property, and determine the lien holder for each determined lien associated with the subject party.

Abstract: A system for executing electronic fund transfers includes a memory comprising a database, the database configured to store electronic fund transfer data, a first interface communicatively coupled to the memory and configured to receive electronic fund transfer customer data associated with a customer and requested electronic fund transfer data describing a requested electronic fund transfer requested by the customer, and one or more processors communicatively coupled to the first interface and configured to determine, based on the received customer data, stored electronic fund transfer data associated with the received customer data and populate fields of the first interface with the stored electronic fund transfer data associated with the received customer data.

Abstract: In certain embodiments, a system for executing electronic transaction services comprises one or more interfaces operable to receive access credentials for a plurality of accounts held with a plurality of enterprises, wherein the plurality of accounts are associated with an entity and one or more processors communicatively coupled to at least one of the one or more interfaces, the one or more processors operable to access, account data from the plurality of accounts, monitor transactions in the plurality of accounts, determine one or more transaction patterns, determine one or more proposed transactions, wherein the one or more proposed transactions represent electronic transfers of funds involving one or more of the plurality of accounts, and determine one or more advantages to the entity associated with the one or more proposed transactions.

Abstract: In certain embodiments, a system for executing electronic transaction services comprises one or more processors operable to access first charge information associated with electronic transactions related to a plurality of nodes, access second charge information associated with electronic transactions related to a plurality of regulatory authorities, access a plurality of previously executed electronic transactions associated with a user, determine one or more transaction patterns based on the plurality of previously executed electronic transactions, determine a current cost associated with the one or more transaction patterns based at least in part on the first and second charge information, and determine, based at least in part on the first and second charge information, one or more proposed electronic transactions associated with a proposed cost less than the current cost.