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, 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, 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 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.

Abstract: Apparatuses, systems, methods, and computer program products are disclosed for data intermediary registry security. A method includes managing a registry of data intermediaries authorized to receive data from a data provider and of data recipients associated with the data intermediaries. A method includes blocking access in the registry to identities of the data recipients associated with one of the data intermediaries by one or more other of the intermediaries. A method includes providing data to at least one of the data intermediaries and the data recipients based on the registry.

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, methods, systems, and program products are presented for securing data based on randomization. An apparatus includes a security component that is configured to determine, during compile time of an application, at least one random value used to determine a partition size, a set of storage locations, and an access threshold for a data element during execution of the application. An apparatus includes a partition module that is configured to partition a data element into a plurality of data segments that each have a size that is randomly determined, during execution of an application, based on at least one random value to determine the partition size. An apparatus includes a storage module that is configured to randomly determine a first set of storage locations for a plurality of data segments, during execution of an application, based on at least one random value for the set of storage locations.

Abstract: Apparatuses, methods, systems, and program products are disclosed for watermark security. An apparatus includes a watermark module configured to generate a digital watermark to be presented as part of a graphical interface based on data presented on the graphical interface. A digital watermark verifies an authenticity of data to be presented in a graphical interface. An apparatus includes a presentation module configured to embed the digital watermark into the graphical interface prior to the data being presented in the graphical interface such that the digital watermark is graphically imperceptible to a user, dynamically update the digital watermark during runtime in response to detecting a change in the at least a portion of the data that is encoded into the digital watermark, and re-embed the digital watermark into the graphical interface in response to the digital watermark being updated.

Abstract: Apparatuses, methods, and systems are disclosed for creating an intuitive visual plan for achieving financial goals. An apparatus includes a processor and a memory that stores code executable by the processor to receive financial goal information for a plurality of financial goals, generate a plurality of graphical representations for the plurality of financial goals, and present, on a digital display, a converging distance graphic and the plurality of graphical representations.