Abstract: Optimizing aggregation routing over a network. In one example embodiment, a method for optimizing aggregation routing over a network may include detecting that aggregated account data is unavailable over a network from a first data aggregator server, detecting that the aggregated account data is available over the network from a second data aggregator server, formatting a request for the aggregated account data to be compatible with the second data aggregator server, routing the formatted request over the network to the second data aggregator server, and receiving the requested aggregated account data over the network from the second data aggregator server.

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. 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 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 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 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, systems, methods, and computer program products are presented for aggregation platform permissions. 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 permissions module is configured to monitor which of a second plurality of third-party service providers have access to which portions of data from which of a first plurality of third-party service providers. A graphical user interface is configured to display one or more user interface elements allowing a user to grant and/or revoke access to portions of data from a first plurality of third-party service providers individually to a second plurality of third-party service providers.

Abstract: Apparatuses, systems, methods, and computer program products are disclosed for aggregation based credit decisions. An apparatus includes a data module configured to receive transaction data for a user that is aggregated from a plurality of different third-party data sources where the user has accounts. An apparatus includes an analysis module configured to analyze aggregated transaction data using machine learning to determine a credit metric describing a credit worthiness of a user. An apparatus includes a credit module configured to provide a determined credit metric to one or more interested third parties.

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 data aggregation using a limited-use code. An apparatus includes a message module configured to intercept a message comprising a limited-use code. A message may be sent from a third-party server and intended for a user of a hardware device. A limited-use code may be used to verify an identity of a user for access to a third-party server. An apparatus includes a parse module configured to parse a message to determine a limited-use code. An apparatus includes a submission module configured to provide a limited-use code to a third-party server without user input.

Abstract: In the field of banking and financial services, a flexible Open Origination allows any type of mobile, internet, online, personal financial management software, finance tool, or other useful function, device or software, that a bank or financial institution provides to account holders, and offers that same functionality that allows any user regardless of account status. Non-account holders can download and utilize the Banking Software in question in order to enjoy its features, an in order to become familiar with the experience of doing business with the bank or financial institution that provides the software. This method, system and software allows any user, regardless of where his/her accounts are located, to use the software and benefit from its functionality.

Abstract: Apparatuses, systems, methods, and computer program products are presented for switching between data aggregator servers. A method for switching between data aggregator servers may include tracking first account transaction data for a first financial account over a network using a personal financial manager (PFM) server using a first financial data feed having a first application programming interface (API), detecting, at the PFM server, that the first account transaction data from the first data aggregator server has become unavailable to the PFM server over the network and that a second data aggregator server is currently available to the PFM server over the network, and displaying the second account transaction data from the second API to a user for the first financial account in place of the unavailable first account transaction data.

Abstract: Apparatuses, systems, methods, and computer program products are disclosed for externally held account discovery and aggregation. A method includes aggregating transactions of a first service provider from one or more servers to a trusted hardware device. A method includes identifying, on a trusted hardware device, one or more transactions of a first service provider between an account of a user with the first service provider and an account of the user with a second service provider. A method includes prompting a user for electronic credentials for an account of the user with a second service provider. A method includes accessing data of a user from a second service provider on behalf of the user using electronic credentials.

Abstract: Apparatuses, systems, methods, and computer program products are disclosed for automatic payment and deposit migration. A method includes receiving a request to migrate a recurring payment from a first to a second electronic payment source. A method includes determining payee information for the recurring payment. A method includes electronically scraping payment information from a website interface associated with the recurring payment. A method includes retrieving one or more electronic automatic payment forms associated with the recurring payment based on the payee information. A method includes populating the one or more retrieved electronic automatic payment forms based on the payment information.

Abstract: The disclosure extends to computer-implemented personal financial management tools, methods and systems for providing financial transaction data to users and attracting origination customers to a financial institution within a financial business computing environment. The disclosure also extends to a flexible Open Origination that allows any type of mobile, internet, online, personal financial management software, finance tool, or other useful function, device or software, that a bank or financial institution provides to account holders, and offers that same functionality to all users, regardless of their account status. Non-account holders can download and utilize the Banking Software in question in order to enjoy its features, and to become familiar with the experience of doing business with the bank or financial institution that provides the software.

Abstract: Switching between data aggregator servers. A method for switching between data aggregator servers may include tracking a first financial account using a PFM server, receiving, at the PFM server, first account identification data and first account transaction data for the first financial account from a first data aggregator server over a network, detecting, at the PFM server, that the first account transaction data of the first data aggregator server has become unavailable to the PFM server over the network and that a second data aggregator server is currently available to the PFM server over the network, and in response to the detecting, switching, at the PFM server, from the first data aggregator server to a second data aggregator server, the second data aggregator server configured to send data for the same financial accounts with different data fields and/or with different data formats than the first data aggregator server.

Abstract: Optimizing aggregation routing over a network. In one example embodiment, a method for optimizing aggregation routing over a network may include detecting that aggregated account data is unavailable over a network from a first data aggregator server, detecting that the aggregated account data is available over the network from a second data aggregator server, formatting a request for the aggregated account data to be compatible with the second data aggregator server, routing the formatted request over the network to the second data aggregator server, and receiving the requested aggregated account data over the network from the second data aggregator server.

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.

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.