Abstract: A management system identifies an account holder and identifies multiple financial accounts associated with the account holder. The multiple financial accounts are associated with at least two different financial institutions. The multiple financial accounts are then authenticated. The management system aggregates financial transaction data associated with the multiple financial accounts and displays the aggregated financial transaction data.

Abstract: A system receives account access information from a user. The account is then accessed using the received access information. Data is harvested from a web page associated with the account or received from another financial data source. The user's ability to access the account is authenticated based on the obtained information.

Abstract: A method and apparatus for internetworking multiple person-to-person (P2P) payment networks and financial institutions is disclosed.

Abstract: A system analyzes multiple financial accounts having a common account holder and identifies a particular attribute, such as interest rate, associated with each of the multiple financial accounts. The system then makes a determination regarding whether an adjustment of funds among the multiple financial accounts would benefit the account holder. If the adjustment of funds would benefit the account holder, then recommending the adjustment of funds to the account holder and offering to perform the recommended adjustment of funds. The system executes the adjustment of funds if the account holder accepts the offer to perform the recommended adjustment of funds.

Abstract: A system receives account access information from a user. The account is then accessed using the received access information. Data is harvested from a web page associated with the account or received from another financial data source. The user's ability to access the account is authenticated based on the obtained information.

Abstract: A system receives account access information from a user. The account is then accessed using the received access information. Data is harvested from a web page associated with the account or received from another financial data source. The user's ability to access the account is authenticated based on the obtained information.

Abstract: A system receives account access information from a user. The account is then accessed using the received access information. Data is harvested from a web page associated with the account or received from another financial data source. The user's ability to access the account is authenticated based on the obtained information.

Abstract: A system receives account access information from a user. The account is then accessed using the received access information. Data is harvested from a web page associated with the account or received from another financial data source. The user's ability to access the account is authenticated based on the obtained information.

Abstract: A system receives account access information from a user. The account is then accessed using the received access information. Data is harvested from a web page associated with the account or received from another financial data source. The user's ability to access the account is authenticated based on the obtained information.

Abstract: A delegated authority system allows an account holder to delegate authority to one or more individuals, such as financial advisors through a third party service. An individual receives authority to access financial accounts and/or access aggregated financial data. The individual may then retrieve account information from the individual accounts or from the aggregated financial data. In on exemplary system, the account information is accessed via the Internet or another data communication network.

Abstract: Data is captured from a web site or other data source. Data is extracted from the web page using a data harvesting script or other data acquisition routine. The extracted data is then normalized and stored in a database. If data cannot be extracted from the web page, a copy of the captured web page is stored without personal information contained in the web page. The data harvesting script is then edited based on an analysis of the captured web page.

Abstract: A system analyzes multiple financial accounts having a common account holder and identifies a particular attribute, such as interest rate, associated with each of the multiple financial accounts. The system then makes a determination regarding whether an adjustment of funds among the multiple financial accounts would benefit the account holder. If the adjustment of funds would benefit the account holder, then recommending the adjustment of funds to the account holder and offering to perform the recommended adjustment of funds. The system executes the adjustment of funds if the account holder accepts the offer to perform the recommended adjustment of funds.

Abstract: A system analyzes multiple financial accounts having a common account holder and identifies a particular attribute, such as interest rate, associated with each of the multiple financial accounts. The system then makes a determination regarding whether an adjustment of funds among the multiple financial accounts would benefit the account holder. If the adjustment of funds would benefit the account holder, then recommending the adjustment of funds to the account holder and offering to perform the recommended adjustment of funds. The system executes the adjustment of funds if the account holder accepts the offer to perform the recommended adjustment of funds.

Abstract: Embodiments of a system for providing a financial management system to facilitate the transfer of funds among accounts held at different financial institutions and over different networks are described. The system performs a transaction involving a withdrawal of assets from a first account at a first financial institution and a deposit of at least a portion of the withdrawn assets to a second account at a second financial institution. The account user can select between real-time transactions and standard transactions. Real-time transactions are executed over an ATM network coupling the first financial institution and the second financial institution, and standard transactions are executed over an ACH network coupling the first financial institution and the second financial institution.

Abstract: A user is presented with multiple modes of operation, such that the multiple modes of operation define different trust options for handling data (such as login credentials or other sensitive data) associated with the user. A selection of one of the multiple modes of operation is received from the user. Data associated with the user is handled in accordance with the selected mode of operation.

Abstract: Described herein is a multi-product-multi-channel payment platform system and apparatus that extends the capability of current online banking/funds-transfer systems. Different types of financial accounts are modeled in a financial management system to enable types of online, electronic funds transfer transaction that were not previously possible. Among novel elements of the system and apparatus disclosed is the enablement of real-time application of rules to different types of financial accounts and/or products across channels, such as how much money may be deposited or withdrawn in a period of time.

Abstract: A compliance monitoring system and method identifies an individual or entity to be monitored for account compliance and receives account information associated with the individual or entity. The compliance monitoring system and method obtains holdings in the account and determines whether the holdings in the account comply with a predetermined rule.

Abstract: A withdrawal of assets is initiated from a first account at a first financial institution. A deposit of the assets withdrawn from the first account is initiated to a second account at a second financial institution. The first account and the second account have a common account holder. The withdrawal and deposit of assets may be initiated after analyzing multiple accounts of the account holder and determining whether an adjustment of funds among the multiple accounts would benefit the account holder. A debit instruction is used to initiate the withdrawal of assets and a credit instruction is used to initiate the deposit of the withdrawn assets. The withdrawal and deposit of assets can be implemented using one or more payment networks, debit networks, or a wire transfer between the two financial institutions.

Abstract: Embodiments of a Global Risk Administration (GRA) method and system include a GRA tool that assists an institution with various decision making processes by enabling the institution to customize the GRA tool to generate decisions based on information input by the institution or a customer of the institution. The GRA tool further accesses third party data sources for the purpose of verifying information and gathering additional information to be used in generating decisions. The data sources are selectable by the institution as an aspect of the customization in an embodiment. In an embodiment, the institution is a financial institution (FI), and customizing the GRA tool involves an FI user assigning attribution rules using, wherein attribution rules comprise characteristics of applicants for financial accounts.

Abstract: Embodiments as described herein include methods and a system for multi-channel and cross-channel account opening. An applicant may start an account opening process in one channel and move to one or more other channels without any application data being lost. A financial management system (FMS) provides a single account opening platform for multiple financial institutions (FIs) such that an application to open an account is handled by the FMS platform using shared resources among channels, and applying rules specified by each FI.