Abstract: Apparatuses, system, methods, and computer program products are presented for presenting content based on transaction data. An apparatus includes a processor and a memory that stores code that is executable by the processor for selecting a user for an offer in response to the user's financial transaction data satisfying a transaction metric associated with the offer, determining a target location for the offer based on the user's financial transaction data, determining a current location for the user relative to the target location, dynamically providing the offer to the user in response to the user's current location satisfying the target location, receiving electronic credentials for the user for accessing identification information for the user, and electronically assisting the user to complete the offer by pre-populating one or more data fields with the user's identification information.

Abstract: Apparatuses, systems, methods, and computer program products are disclosed for item level data aggregation. A method includes aggregating a set of transactions for a user. A method includes identifying a transaction made with a third party. A method includes using electronic credentials for a user to login to an account on a hardware server. A method includes downloading item-level data for transactions from a hardware server of a third party. A method includes matching a transaction to an identified transaction. A method includes associating downloaded item-level data for a matched transaction with an identified transaction. A method includes displaying an aggregated set of transactions to a user. A method includes displaying identifiers for a plurality of items within an identified transaction to a user in response to receiving predefined user input relative to the identified transaction in a displayed set of transactions.

Abstract: Apparatuses, system, methods, and computer program products are presented for presenting content based on transaction data. A selection module selects a user for an offer in response to the user's financial transaction data satisfying a transaction metric associated with the offer. A location module determines a target location for an offer based on a user's financial transaction data. A location module monitors location data from one or more sensors for a user relative to a target location. 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: A graphically depicted meter to show the status of a parent-child relationship.

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, 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 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, 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 detecting a change in access to one or more of a server of a third party service provider and data associated with a user. A method includes providing an interface to the user allowing the user to graphically identify one or more of an input location for electronic credentials for the user and a location of the data associated with the user. A method includes downloading the data associated with the user from the server of the third party service provider to a hardware device of the user based on the user's identification.

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 distributed and/or decentralized data aggregation. 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 determined electronic credentials, to download data associated with the user from the third party service providers. A method includes accessing one or more other locations on one or more of a third party service providers, with one or more artificially introduced delays between accessing the one or more other locations and downloading data, thereby emulating a use pattern of a user for the one or more of the third party service providers. A method includes aggregating downloaded data from third party service providers and providing one or more communications to a user on a hardware device based on the aggregated downloaded data.

Abstract: Apparatuses, systems, methods, and computer program products are disclosed for distributed and/or decentralized data aggregation. 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 determining whether a hardware device associated with a user is available to download data associated with the user. A method includes accessing one or more of the third party service providers, from a different device, using the user's electronic credentials, to download the data associated with the user to the different device, in response to determining that the hardware device associated with the user is unavailable to download the data.

Abstract: Computer software for creating and displaying intuitively understandable visual representations of personal budgeting information that use proportionate bubble graphics for portions of a budget, each graphic having a visual size depiction proportionate to its percentage of the total budget being considered.

Abstract: The disclosure extends to computer-implemented personal financial management tools, methods and systems for providing financial transaction data to a user in the form of transaction images, such as check images, deposit images, receipt images, and other transaction related images, which may be incorporated into the personal financial management tool. The disclosure also extends to computer-implemented personal financial management tools, methods and systems for receiving core data, which may include transaction data, from a financial or banking institution and processing the data by cleansing the data, automatically categorizing the data, classifying the data, and then sending that processed data back to the financial or banking institution. The disclosure also extends to receiving and sending such data to and from the financial or banking institution in real-time.

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 third party service provider. A method includes detecting that access to a third party service provider is unavailable. A method includes processing, using machine learning, a website of a third party service provider to determine a prediction of an input location for a user's electronic credentials. A method includes accessing a third party service provider using a predicted input location for a user's electronic credentials to download data associated with the user from the third party service provider.

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 receive a request for aggregated account data accessible from a data aggregator server, select a data aggregator server from a plurality of data aggregator servers to service the request for the 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, and receive the requested aggregated account data over the network from the selected data aggregator server.

Abstract: Apparatuses, systems, methods, and program products are disclosed for historical transaction-based account monitoring. A method includes receiving historical and current transaction data for a plurality of user accounts at a mobile device over a computer network. A method includes normalizing transactions of the historical transaction data for the historical time period based on one or more transactions of the historical transaction data that correspond to one or more transactions of the current transaction data. A method includes generating and presenting a graphical representation of the historical transaction data and a graphical representation of the current transaction data within an interactive interface on the touch screen display.

Abstract: Apparatuses, systems, methods, and program products are disclosed for transaction-based debt management and visualization. A method includes receiving debt data for one or more debt accounts of a user over a data network at a mobile device. A method includes generating a graphical representation of debt data based on one or more characteristics of the debt data determined for a period of time related to the debt data. A method includes presenting a graphical representation of debt data within an interface of a display device of a mobile device. A method includes dynamically adjusting a graphical representation of debt data with a new period of time related to the debt data in response to a user selecting one of a plurality of debt plans for reducing a balance in the one or more of the user's debt accounts.

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 a local repository of aggregated data. A hardware device comprises a local repository of data aggregated, for a user, from a plurality of third party service providers. A hardware device comprises a local authentication module configured to secure, on the hardware device, aggregated data and electronic credentials of a user for a plurality of third party service providers. A hardware device comprises an interface module configured to provide access controls to a user defining which of a plurality of other third party service providers the user authorizes to access aggregated data, and to provide the aggregated data to the authorized other third party service providers.