Abstract: A method for presenting pre-approved and pre-underwritten offers to a customer may include: receiving targeting criteria based on at least one of current accounts with the financial institution, assets, creditworthiness, and credit risk for an offer for a financial product; identifying a target population of customers for the offer by applying the targeting criteria to a population of customers; reviewing each customer in the target population for underwriting for the financial product based on inferred income for each customer and accounts that each customer has with the financial institution, wherein the underwriting is performed before the financial product is offered; determining a channel to present the offer to one of the customers that passed underwriting; communicating the offer to the customer over the selected channel; and providing an accepted offer to a fulfilment engine, wherein the fulfilment engine initiates an account opening for the financial product.

Abstract: Systems and methods for digital identity verification are disclosed. In one embodiment, in an information processing apparatus comprising at least one computer processor, a method for digital identify verification may include: (1) receiving, from a user electronic device or at a website, an image of an identity document for a user, the identity document comprising an image of the user; (2) processing the identity document with at least one business-specific rule; (3) extracting identity information from the identity document; (4) determining a match rate of the image of the user on the identity document to a captured image; (5) assigning a verification score to the user based on extracted identity information and the match rate; and (6) publishing the verification score to at least one system.

Abstract: A method for presenting pre-approved and pre-underwritten offers to a customer may include: receiving targeting criteria based on at least one of current accounts with the financial institution, assets, creditworthiness, and credit risk for an offer for a financial product; identifying a target population of customers for the offer by applying the targeting criteria to a population of customers; reviewing each customer in the target population for underwriting for the financial product based on inferred income for each customer and accounts that each customer has with the financial institution, wherein the underwriting is performed before the financial product is offered; determining a channel to present the offer to one of the customers that passed underwriting; communicating the offer to the customer over the selected channel; and providing an accepted offer to a fulfilment engine, wherein the fulfilment engine initiates an account opening for the financial product.

Abstract: Systems and methods for digital identity verification are disclosed. In one embodiment, in an information processing apparatus comprising at least one computer processor, a method for digital identify verification may include: (1) receiving, from a user electronic device or at a website, an image of an identity document for a user, the identity document comprising an image of the user; (2) processing the identity document with at least one business-specific rule; (3) extracting identity information from the identity document; (4) determining a match rate of the image of the user on the identity document to a captured image; (5) assigning a verification score to the user based on extracted identity information and the match rate; and (6) publishing the verification score to at least one system.

Abstract: Systems and methods for providing expedited promotions are disclosed. In one embodiment, a method may include (1) a financial institution server comprising at least one computer processor receiving, from a merchant, a transaction comprising an identification of a good or service, a customer financial instrument issued by the financial institution, and a promotion identifier; (2) the financial institution server retrieving a promotion associated with the promotion identifier; (3) the financial institution server approving the transaction with the financial instrument; and (4) the financial institution server automatically applying the promotion to the transaction.

Abstract: Systems and methods for providing expedited promotions are disclosed. In one embodiment, a method may include (1) a financial institution server comprising at least one computer processor receiving, from a merchant, a transaction comprising an identification of a good or service, a customer financial instrument issued by the financial institution, and a promotion identifier; (2) the financial institution server retrieving a promotion associated with the promotion identifier; (3) the financial institution server approving the transaction with the financial instrument; and (4) the financial institution server automatically applying the promotion to the transaction.

Abstract: Systems and methods for providing expedited promotions are disclosed. In one embodiment, a method may include (1) a financial institution server comprising at least one computer processor receiving, from a merchant, a transaction comprising an identification of a good or service, a customer financial instrument issued by the financial institution, and a promotion identifier; (2) the financial institution server retrieving a promotion associated with the promotion identifier; (3) the financial institution server approving the transaction with the financial instrument; and (4) the financial institution server automatically applying the promotion to the transaction.

Abstract: A method for presenting pre-approved and pre-underwritten offers to a customer may include: receiving targeting criteria based on at least one of current accounts with the financial institution, assets, creditworthiness, and credit risk for an offer for a financial product; identifying a target population of customers for the offer by applying the targeting criteria to a population of customers; reviewing each customer in the target population for underwriting for the financial product based on inferred income for each customer and accounts that each customer has with the financial institution, wherein the underwriting is performed before the financial product is offered; determining a channel to present the offer to one of the customers that passed underwriting; communicating the offer to the customer over the selected channel; and providing an accepted offer to a fulfilment engine, wherein the fulfilment engine initiates an account opening for the financial product.

Abstract: Systems and methods for digital identity verification are disclosed. In one embodiment, in an information processing apparatus comprising at least one computer processor, a method for digital identify verification may include: (1) receiving, from a user electronic device or at a website, an image of an identity document for a user, the identity document comprising an image of the user; (2) processing the identity document with at least one business-specific rule; (3) extracting identity information from the identity document; (4) determining a match rate of the image of the user on the identity document to a captured image; (5) assigning a verification score to the user based on extracted identity information and the match rate; and (6) publishing the verification score to at least one system.

Abstract: The invention relates to a customer exposure management system. The system comprises: a first input configured to receive operational data from a data ecosystem; a second input configured to receive risk derived data from a risk data source; a metadata repository; and a rule engine comprising a processor coupled to the first input, the second input and metadata repository and further configured to execute rules to: merge the operational data and risk derived data to generate a composite file on an account or customer basis; create one or more global attributes; identify an optimal income for the composite file; calculate a customer exposure strategy metric that defines an optimal exposure; select a strategy from a plurality of strategies wherein the strategy implements the one or more global attributes; apply the selected strategy to the composite file; and execute a corresponding account action.

Abstract: A system, method, and apparatus to minimize fraud at the user, merchant, and/or financial institution level. A control computer provides authentication and/or transaction processing. The control computer has access to databases comprising user, merchant, enrollment, transaction, duplicate, and fraudulent activity data. Parties may enroll in the system via an enrollment computer and conduct transactions through the system via a merchant computer. Users are issued hardware identification keys containing an encrypted user code. Access keys can be required in addition to an authorized user key to conduct certain actions. Keys are copy protected and can comprise a computer operating system. The hardware profile of client devices can be recorded. Parties may specify minimum and/or maximum security levels and restrict transactions. Transactions with parties can be authenticated without sending user personal data to the parties.

Abstract: A system, method for user controlled identity authentication comprising: a) At least one central computer having at least one user within a user database having user data and at least one service provider within a service provider database with service provider data; b) At least one service provider having electronic communication with the central computer; c) At least one user having electronic devices capable of communications with the central computer and service provider; e) Providing a user with a set of controls within the central computer to customize privacy, security and authentication of the user data; f) Providing a set of access rights within the service provider data of the central computer having a set of transaction rules for the service provider.

Abstract: A system, method for user controlled identity authentication comprising: a) At least one central computer having at least one user within a user database having user data and at least one service provider within a service provider database with service provider data; b) At least one service provider having electronic communication with the central computer; c) At least one user having electronic devices capable of communications with the central computer and service provider; e) Providing a user with a set of controls within the central computer to customize privacy, security and authentication of the user data; f) Providing a set of access rights within the service provider data of the central computer having a set of transaction rules for the service provider.