Abstract: Apparatuses, methods, program products, and systems are disclosed for accessible remote deposit capture. An apparatus includes a position module that determines a position of a hardware device relative to a document based on input captured from a camera of the hardware device. An apparatus includes a direction module that determines one or more directions for moving a hardware device relative to a document to position the document within a predefined area of a field of view of a camera. An apparatus includes an accessibility module that provides accessibility feedback via a hardware device based on determined one or more directions. Accessibility feedback includes feedback for assisting a user that has a visual impairment with positioning a hardware device such that a document is within a predefined area of a field of view of a camera.

Abstract: Apparatuses, methods, systems, and program products are disclosed for watermark security. An apparatus includes a content module configured to identify data to be presented in a graphical interface. An apparatus includes a watermark module configured to generate a digital watermark to be presented in a graphical interface based on identified data. A digital watermark verifies an authenticity of data to be presented in a graphical interface. An apparatus includes a presentation module configured to embed a digital watermark into a graphical interface prior to data being presented in the graphical interface such that the digital watermark is graphically indistinguishable to a user in the graphical interface.

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.

Abstract: A data sync engine, a related method and software achieve keeping the data set of a core computer system and a mobile device in sync so that a user may perform operations using several different devices connectable to the core computer system.

Abstract: Apparatuses, system, methods, and computer program products are presented for presenting content based on transaction data. A selection module selects a user for an offer in response to the user's financial transaction data satisfying a transaction metric associated with the offer. A location module determines a target location for an offer based on a user's financial transaction data. A location module monitors location data from one or more sensors for a user relative to a target location. An offer module dynamically provides an offer to a user in response to monitored location data from one or more sensors satisfying a target location.

Abstract: A graphically depicted meter to show the status of a parent-child relationship.

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 scrape repair. A method includes detecting that access to a third party service provider is unavailable. A method includes presenting an interface to a user to graphically identify an input location for the user's electronic credentials on a web page of the third party service provider. A method includes receiving input, via the interface, from a user indicating a correct location on the web page of the third party for the user's electronic credentials.

Abstract: Apparatuses, systems, methods, and computer program products are disclosed for distributed and/or decentralized data aggregation. A method includes determining a user's electronic credentials for a plurality of third party service providers. A method includes accessing each of a plurality of third party service providers, from a hardware device associated with a user, using the user's electronic credentials, to download data associated with the user from the third party service providers. A method includes aggregating downloaded data from third party service providers and providing one or more of alerts and messages to the user on the hardware device in response to the aggregated downloaded data.

Abstract: Apparatuses, systems, methods, and program products are disclosed. An apparatus includes a processor and a memory that stores code executable by the processor to generate a first graphical representation of a total budget based on an amount of the total budget and an expense amount of the total budget amount, generate one or more second graphical representations of categories of sub-budgets of the total budget amount based on an amount of the total budget for the category and an expense amount of the total budget amount for the category, and graphically present, on a display, the first graphical representation and the one or more second graphical representations adjacent to the first graphical representation such that the first graphical representation and the one or more second graphical representations are dynamically sized relative to one another based on the total budget amounts for each graphical representation and a size of the display.

Abstract: Apparatuses, methods, systems, and program products are disclosed for secure data handling and storage. An apparatus includes a lock module that receives a request to decrypt encrypted data that is stored in a data repository, the encrypted data encrypted using a first encryption key, and unlocks an encryption engine in response to the request. An encryption engine may be unlocked using a master key that is generated based on combination of a plurality of keys held by a plurality of key holders. An apparatus includes a decryption module that decrypts encrypted data using an encryption engine. Encrypted data may be decrypted using a first encryption key. An apparatus includes an encryption module that re-encrypts decrypted data using an encryption engine. Decrypted data may be re-encrypted with a second encryption key that is different than a first encryption key and stored in a data repository.

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 distributed and/or decentralized data aggregation. A method includes detecting a change in access to one or more of a server of a third party service provider and data associated with a user. A method includes providing an interface to the user allowing the user to graphically identify one or more of an input location for electronic credentials for the user and a location of the data associated with the user. A method includes downloading the data associated with the user from the server of the third party service provider to a hardware device of the user based on the user's identification.

Abstract: Apparatuses, systems, methods, and computer program products are disclosed for distributed and/or decentralized data aggregation. A method includes setting a frequency for accessing a server of a third party service provider based on input from a remote device unaffiliated with the third party service provider, such that the remote device determines frequencies for a plurality of different users and different hardware devices accessing the server of the third party service provider. A method includes accessing the server of the third party service provider, from the hardware device of a user, using electronic credentials for the user according to the set frequency. A method includes downloading data associated with the user from the server of the third party service provider to the hardware device of the user.

Abstract: Apparatuses, systems, methods, and computer program products are disclosed for virtual sub accounts. An apparatus includes an actual account module that receives information for an actual user account at a financial institution. An apparatus includes a virtual account module that creates a virtual account that comprises a simulated user account at a financial institution that is managed by an actual user account. An apparatus includes a linking module that links a virtual account to an actual user account so that the actual user account manages the virtual account.

Abstract: Apparatuses, systems, methods, and computer program products are presented for automated enterprise transaction data aggregation and accounting. A hardware computer server is configured to create metadata records for a plurality of transactions for one or more accounts. A hardware computer server is configured to determine a category for each of the transactions based on the metadata records. A hardware computer server is configured to select an offer for a product based on determined categories and created metadata records. Computer executable program code installed on a non-transitory computer readable storage medium of a hardware device comprises operations configured to receive, from a network interface of a hardware computer server over a network interface of the hardware device, an offer for a product and to display the offer for a product to a user on an electronic display of the hardware device.

Abstract: Apparatuses, systems, methods, and computer program products are disclosed for distributed and/or decentralized data aggregation. A method includes accessing each of a plurality of third party service providers, from a hardware device associated with a user, using the user's determined electronic credentials, to download data associated with the user from the third party service providers. A method includes accessing one or more other locations on one or more of a third party service providers, with one or more artificially introduced delays between accessing the one or more other locations and downloading data, thereby emulating a use pattern of a user for the one or more of the third party service providers. A method includes aggregating downloaded data from third party service providers and providing one or more communications to a user on a hardware device based on the aggregated downloaded data.

Abstract: Apparatuses, systems, methods, and computer program products are disclosed for distributed and/or decentralized data aggregation. A method includes accessing each of a plurality of third party service providers, from a hardware device associated with a user, using the user's electronic credentials, to download data associated with the user from the third party service providers. A method includes determining whether a hardware device associated with a user is available to download data associated with the user. A method includes accessing one or more of the third party service providers, from a different device, using the user's electronic credentials, to download the data associated with the user to the different device, in response to determining that the hardware device associated with the user is unavailable to download the data.

Abstract: Computer software for creating and displaying intuitively understandable visual representations of personal budgeting information that use proportionate bubble graphics for portions of a budget, each graphic having a visual size depiction proportionate to its percentage of the total budget being considered.

Abstract: Apparatuses, methods, systems, and program products are disclosed for secure data handling and storage. A method includes receiving a plurality of keys for unlocking an encryption engine. Each key may be associated with a key holder. At least a subset of the plurality of keys are combined to generate a master key. An encryption engine is unlocked using the master key. Encrypted data is received at the encryption engine on a continuous basis. The encrypted data is encrypted using a first encryption key, and includes sensitive information for one or more users. The encrypted data is decrypted using the first encryption key. The decrypted data is re-encrypted using a second encryption key that is newer than the first encryption key.