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, computer program products, and systems are disclosed for payment processing. An apparatus includes one or more processors and one or more memories that store code executable by the one or more processors to exchange payment information for a transaction wirelessly between a mobile hardware computing device of a user and a hardware payment terminal for a merchant, to validate an availability of funds for the transaction using an electronic interface for an account for the user at a third-party institution, and to electronically transfer the funds directly from the account for the user to an account for the merchant to complete the transaction.

Abstract: Apparatuses, methods, program products, and systems are disclosed for data protection query interface. An apparatus includes a processor and a memory that stores code executable by the processor to receive, via a query interface, a query from a third-party to verify sensitive data associated with a user, analyze the query to identify a type of the user's sensitive data to verify, and generate a verification response to the query based on verifying the user's sensitive data related to the type of sensitive data to verify without exposing the user's sensitive data to the third-party.

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 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 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 an aggregated data query interface. A method includes authenticating a user of a publicly accessible query interface. A method includes authenticating the user for a third-party financial account of the user. A method includes accessing financial transaction data from the third-party financial account on behalf of the user. A method includes receiving a query from the user via the publicly accessible query interface. A method includes embedding, in a graphical user interface on an electronic display screen, a display of one or more financial transactions from the financial transaction data from the third-party financial account with a display of query results from the publicly accessible query interface, the one or more financial transactions and the query results each associated with the query from 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, methods, systems, and program products are disclosed for graphically representing relative status in a parent-child relationship. An apparatus includes a processor and a memory that stores code executable by the processor to generate a plurality of graphical representations of budgets for tracking a user's income and expenses, determine a parent-child relationship between each of the plurality of budgets to determine each parent budget and each child budget associated with each parent budget, and present each graphical representation of a parent budget of the plurality of budgets and a budget meter within each graphical representation of the parent budget that represents a portion of the parent budget that has been used according to the child budgets of the parent budget.

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, 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 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 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. An apparatus includes an authorization module configured to prompt a user for authorization prior to intercepting a message, parsing the message for a limited-use code, and providing the limited-use code to a third-party server without user input.

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 computer program products are presented for dynamic feature and performance testing and adjustment. An audit module is configured to dynamically test a plurality of image capture settings for a camera of a mobile device of an end user in an executable mobile application executing on the mobile device. A feature module is configured to select one of a plurality of image capture settings for a camera of a mobile device based on a dynamic test. An adjustment module is configured to dynamically configure, during runtime of an executable mobile application on a plurality of different mobile devices of different end users, the different mobile devices to use a selected one of a plurality of image capture settings.

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 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 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 program products are disclosed for data synchronization. An apparatus includes a processor and a memory that stores code executable by the processor to maintain a list of user devices for a user that are enabled for communicating with a core computer system, maintain lists of data changes made to the database of user data separately for each of the user devices, prefilter the data changes for the user devices such that only preselected types of data changes are used to update the user data on the user devices, in response to detecting a data change to the user data for at least one of the user devices, send a real-time notification to other user devices for the user of the data change to prompt data synchronization on the other user devices, and delete a list of the data changes in response to receiving a synchronization token.

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.