Abstract: A method for sharing digital identity data, the method comprising, using an identity network, receiving a sign-up request for a user from a relying party, providing, for display to a user interface of a user device, a list of identity providers, in response to receiving a selection of the identity provider from the list of identity providers, causing the user interface to display a login page associated with the selected identity provider, receiving, from the selected identity provider, a plurality of identity attributes associated with the user, providing, for display to the user interface, the plurality of identity attributes associated with the user, receiving consent from the user to share the plurality of identity attributes associated with the user with the relying party, and redirecting the user interface to a page associated with the relying party.

Abstract: A compromised data exchange system extracts data from websites using a crawler, detects portions within the extracted data that resemble personally identifying information (PII) data based on PII data patterns using a risk assessment module, and compares a detected portion to data within a database of disassociated compromised PII data to determine a match using the risk assessment module. A risk score may be assigned to a data item within the database in response to determining the match. In some embodiments, URL data may also be detected in the extracted data. The detected URL data represents further web sites that can be automatically crawled by the system to detect further PII data.

Abstract: Disclosed herein is an identity network that provides a universal, digital identity for users to be authenticated by an identity provider for relying parties upon sign-in to the relying party. The identity network receives the sign-in request from a relying party for a user using a user device. The identity network can provide a session identifier to the relying party for the request and launch an identity provider application associated with the user via a software development kit in the relying party application. The user may sign-in to the identity provider via the software development kit, thereby authenticating the user for the relying party. Additionally, the identity provider may generate a risk validation score and provide it to the relying party that provides a confidence value that the user is validly using the user device and a risk score based on device activity on the identity network.

Abstract: A system includes a processor and a memory accessible to the processor. The memory may store instructions that, when executed by a processor, cause the processor to receive first data associated with a first owner and second data associated with a second owner from a data warehouse. The memory further includes instructions that, when executed, cause the processor to selectively filter the first data according to first data sharing permissions defined by the first owner to produce first filtered data, selectively filter the second data according to second data sharing permissions defined by the second owner to produce second filtered data, and provide an output including the first filtered data and the second filtered data to a data requester.

Abstract: A method of generating an input for a machine learning algorithm may include collecting data records. Each data record may include a plurality of categories of data. The method may include using vector quantization to partition the plurality of data records into a plurality of groupings. Each of the groupings may be based on one or more of the plurality of categories of data. The method may include generating a correlation score for each of the plurality of groupings. The correlation score may be indicative of whether a particular group is indicative of a given outcome.

Abstract: Methods of selecting an identity provider using an identity attribute sharing system may include accessing, by a user device, a page of a relying party. The methods may include receiving, by the user device, a selection to utilize an identity network to share a number of identity attributes with the relying party. The methods may include displaying, by the user device, a plurality of identity providers enrolled for use with the identity attribute sharing system. The methods may include receiving, by the user device, a selection of one of the plurality of identity providers. The methods may include providing access to a page of a selected identity provider.

Abstract: A method of operating a machine learning target factory may include generating a plurality of machine learning targets. The method may include storing each of the plurality of machine learning targets on a network-attached database. The method may include receiving, at the network-attached database, a request for at least one of the plurality of machine learning targets for a machine learning model. The method may include providing the at least one of the plurality of machine learning targets to a computing device housing the machine learning model.

Abstract: A method of analyzing the effectiveness of a machine learning model may include executing a test procedure of a machine learning model comprising a plurality of input features. The machine learning model may include a lag feature associated with one of the plurality of input features. Executing the test procedure may include querying one or more data sources for historical data records associated with the input features. The lag feature may restrict a query for historical data records from at least one of the data sources to a predetermined time prior to a time of the test procedure of the machine learning model. Executing the test procedure may include receiving the historical data records from the one or more data sources at the machine learning model. Executing the test procedure may include generating an output of the machine learning model.

Abstract: Disclosed herein is an identity network that provides a universal, digital identity for users to be authenticated by an identity provider for relying parties upon sign-in to the relying party. The identity network receives the sign-in request from a relying party for a user using a user device. The identity network can provide a session identifier to the relying party for the request and launch an identity provider application associated with the user via a software development kit in the relying party application. The user may sign-in to the identity provider via the software development kit, thereby authenticating the user for the relying party. Additionally, the identity provider may generate a risk validation score and provide it to the relying party that provides a confidence value that the user is validly using the user device and a risk score based on device activity on the identity network.

Abstract: Methods of selecting an identity provider using an identity attribute sharing system may include accessing, by a user device, a page of a relying party. The methods may include receiving, by the user device, a selection to utilize an identity network to share a number of identity attributes with the relying party. The methods may include displaying, by the user device, a plurality of identity providers enrolled for use with the identity attribute sharing system. The methods may include receiving, by the user device, a selection of one of the plurality of identity providers. The methods may include providing access to a page of a selected identity provider.

Abstract: A method including receiving, at a payment-messaging system from a biller financial institution, a request comprising a public consumer token of a consumer. The consumer provided the public consumer token to a biller system of a biller for a bill payment by the consumer to the biller. The biller system provided the public consumer token to the biller financial institution. The biller financial institution maintains a biller account of the biller. The acts also can include determining a risk metric representing a risk of using the public consumer token for the bill payment. The acts additionally can include sending the risk metric from the payment-messaging system to the biller financial institution. The biller financial institution sends the risk metric to the biller system to allow the biller to determine whether to assume liability for the bill payment.

Abstract: Described herein are systems and methods for securely obtaining payment information from a recipient on a payer's mobile device within an application on the payer's mobile device. The securely obtained information can be decrypted in the application, and the recipient information can be extracted. The extracted recipient information can be validated and used by the application to initiate a fund transfer to the recipient's account from the payer's account. The application can include a user interface that can allow the payer to anonymize the payment, securing the privacy of the payer.

Abstract: Disclosed herein is an identity network that can provide a universal, digital identity for users that can be used to authenticate the user by an identity provider for relying parties. The identity network receives a request from a relying party that includes deep linking to an identity provider selected by the user. The request specifies the user as well as any other information about the user the relying party is requesting. A service of the identity network launches the application for the identity provider on the user's device using a software development kit. The user can log into the identity provider's application, which validates the user and provides the user authentication/validation and information about the user to the identity network. The identity network can then provide the indication of the user's authentication and the user information to the relying party.

Abstract: Disclosed herein is an identity network that can provide a universal, digital identity for users that can be used to authenticate the user by an identity provider for relying parties. The identity network receives a request from a relying party that includes deep linking to an identity provider selected by the user. The request specifies the user as well as any other information about the user the relying party is requesting. A service of the identity network launches the application for the identity provider on the user's device using a software development kit. The user can log into the identity provider's application, which validates the user and provides the user authentication/validation and information about the user to the identity network. The identity network can then provide the indication of the user's authentication and the user information to the relying party.

Abstract: A payment and authentication network may include a communications interface, one or more processors, and a memory. The memory may have instructions stored thereon that, when executed by the one or more processors cause the one or more processors to receive, using the communications interface, transaction information associated with a transaction from a merchant system and generate a fraud risk score based on the transaction information. The instructions may cause the one or more processors to determine that the fraud risk score is indicative that the transaction is likely fraudulent and transmit an alert to a user device that informs a user of the user device that the transaction is likely fraudulent prior to generating an approval decision for the transaction.

Abstract: Systems and methods are provided for implementing reciprocal data sharing in a data exchange system. Limitations may be placed on the amount of data an exchange member may access based on the amount of data contributed. The system may include determining a data contribution associated with a first member of the data exchange, determining a data access limit for the first member based on the data contribution, and providing data to the first member when the first member has not exceeded the data access limit. In some embodiments, there may be separate data access limits for each member of the data exchange, so that a first member may have different access limits when accessing data from a second member, data from a third member, and data from a fourth member. Further, the system may limit a requester to a type of data that corresponds to the type of data contributed.

Abstract: Described herein is an identity network for authenticating a user for a relying party and providing access to the user's credit report. The identity network may receive an unlock request for the digital identity and credit report of a user from a relying party. In response, the identity network may provide an identity provider link for accessing the identity provider application. The user may login to the identity provider application and provide consent for obtaining the user's credit report. The identity provider provides the identity network with verification of the digital identity of the user and the consent response from the user. The identity network can request access from a credit reporting agency and receive a credit report key in response. The identity network can provide the credit report key to the relying party, which can use the key to access the user's credit report from the credit reporting agency.

Abstract: Systems and methods including one or more processors and one or more non-transitory storage devices storing computing instructions configured to run on the one or more processors and perform receiving, from a payee system for a payee, a request for a transfer from a payor to the payee, wherein: the payor is associated with a payor user profile of the payee system; and the request comprises a transfer token associated with the payor and the payee; retrieving transfer data based on the transfer token, wherein: the transfer data is associated with the transfer token, a payor financial institution for the payor, and a selected payor account owned by the payor and maintained by the payor financial institution; and the transfer data comprises an access token for the payor financial institution and the payor; using the access token to access one or more eligible payor accounts owned by the payor and maintained by the payor financial institution, the one or more eligible payor accounts comprising the selected payor a

Abstract: Systems and methods including one or more processors and one or more non-transitory storage devices storing computing instructions configured to run on the one or more processors and perform receiving a request for a transfer from a selected payor account of a payor to a payee; determining a fraud risk score for the transfer; transmitting, to a payee financial institution for the payee, the fraud risk score, wherein the payee financial institution is configured to determine a transfer decision for the transfer based at least in part on the fraud risk score and information about a payee account for the transfer, wherein the payee account is owned by the payee and maintained by the payee financial institution; and when the transfer decision comprises an approval of the transfer by the payee financial institution, facilitating the transfer from the selected payor account to the payee account, wherein facilitating the transfer comprises: sending transfer information to a payor financial institution to cause the p