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 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: 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, 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, 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.

Abstract: 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.

Abstract: 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.

Abstract: 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.

Abstract: 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.

Abstract: 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.

Abstract: 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.

Abstract: 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.

Abstract: 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.

Abstract: 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.

Abstract: 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.

Abstract: 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.

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.