Abstract: In some implementations, an aggregation system may receive, from a user device, a registration message. The aggregation system may receive, from a data source, an initial set of structured data. The aggregation system may receive, from the data source and periodically, updates to the initial set of structured data. The aggregation system may transmit, to the user device and via a webhook activated based on the registration message, an indication of each update. The aggregation system may generate, based on each update, a corresponding differential data structure. The aggregation system may transmit, to the user device, each corresponding differential data structure.

Abstract: A permissions management system is disclosed for enabling a user to securely authorize a third-party system to access user account data and initiate transactions related to a user account, without disclosing to the third-party system account credentials. The system enables the user to also securely de-authorize the third-party system. For example, records may be automatically generated that securely store account information, including one or more permissions related to the account and/or the third-party. A token associated with a record may be shared with the third-party system, but neither the record itself, nor the user account credentials, may be shared with the third-party. Accordingly, the third-party may request user account data and/or initiate transactions by providing the token, but does not itself know, e.g., the user account credentials. Further, the user may set various permissions related to the token, and may also revoke the token (e.g.

Abstract: In some implementations, a data partner may transmit a first request associated with a user account and may receive a first response including an access token. The data partner may transmit a second request, that includes the access token, for a list of applications associated with the user account and may receive a second response including the list of applications. The data partner may transmit a third request, that includes the access token, for a list of activities associated with the list of applications and may receive a third response including the list of activities. The data partner may transmit a fourth request, that includes the access token, to unlink a selected application, from the list of applications, from the user account. The data partner may receive an indication that a token associated with the selected application was revoked.

Abstract: A system and method for assessing digital interactions with a digital third party accounts can include receiving user account credentials for authentication with an external computing system, storing the user account credentials in association with a authentication token and communicating the authentication token to a computing device of an external application service; receiving, through a programmatic communication interface, a request that references the authentication token and digital interaction details; programmatically authenticating, using the stored user account credentials, as a user account with the external computing system and retrieving account data; processing the account data in combination with the digital interaction details and thereby generating a digital interact assessment; and initiating execution of a digital interaction based in part on the digital interaction assessment.

Abstract: In some implementations, a validation device may receive a set of rules associated with requests to and responses from a set of application programming interfaces (APIs). The validation device may transmit, to the set of APIs, a plurality of requests based on the set of rules. The validation device may receive, from the set of APIs, a plurality of responses corresponding to the plurality of requests. The validation device may verify the plurality of responses against the set of rules. The validation device may transmit, to a user device, instructions for a user interface indicating one or more results from verifying the plurality of responses against the set of rules.

Abstract: In some implementations, a data aggregator may receive an indication associated with a data record. The data aggregator may apply a model to the indication to generate a prediction regarding when new information associated with the data record will be available. Based on the prediction, the data aggregator may refrain from requesting new information and may schedule a pull for new information associated with the data record for a later time. Additionally, or alternatively, the data aggregator may receive an indication associated with a plurality of data pulls that are associated with a plurality of data records and may receive an indication of a rate limit associated with a host for the plurality of data records. The data aggregator may apply rules to generate a ranking of the plurality of data pulls and may schedule the plurality of data pulls based on the ranking and the rate limit.

Abstract: In some implementations, a verification system may receive input from a user associated with an account that already underwent a verification procedure. Accordingly, the verification system may generate at least one graphical user interface associated with a first verification operation, within the verification procedure, that is associated with a failed outcome. The verification system may perform verification of the user based on new input for the first verification operation and old input for one or more additional verification operations within the verification procedure.

Abstract: In some implementations, a server may receive, from a user device, one or more credentials associated with a data source. Accordingly, the server may receive, from the data source and using the one or more credentials, a set of structured data including a plurality of entries. The server may identify at least one recurring event based on one or more entries in the plurality of entries, and may determine, for the at least one recurring event, one or more derived properties. The server may generate a data structure indicating the at least one recurring event and the one or more derived properties, and may transmit, to the user device, the generated data structure.

Abstract: A user account evaluation system is disclosed for evaluating risk associated with a user account. The system may obtain user account data associated with many user accounts, select a statistically significant subset of the user accounts, and then process (e.g., to determine types of the user accounts, etc.) and analyze the subset of user accounts to generate a plurality of evaluation models. When a new user account is accessed by the system, user account data may be obtained for the new user account, and the new user account may be evaluated based on the plurality of evaluation models. Accordingly, a plurality of evaluation parameter scores may be generated for the new user account, each of which may indicate an amount of risk associated with the user account. Some embodiments of the present disclosure may include machine learning and/or artificial intelligence methods to improve evaluation of the user accounts.

Abstract: Systems and methods for data parsing are disclosed. In one aspect, a method of parsing raw data associated with one or more transactions involves receiving a text string including raw data for a transaction, matching the text string to a plurality of locations within a location corpus to extract location information from the text string, and identifying a candidate entity from the text string based on a similarity score with respect to a plurality of entities within an entity corpus. The method further involves in response to the similarity score of the identified candidate entity being less than a threshold score, generating entity information using the tokens indicative of entity information, and generating normalized transaction data including the extracted location information and one of the identified candidate entity or the generated entity information.

Abstract: In some implementations, a classification system may receive credentials associated with a data source and may receive, from the data source and using the credentials, a set of structured data including input events and output events. The classification system may filter the set of structured data by applying a first set of rules to generate a filtered set of structured data and may convert the filtered set of structured data to one or more numerical vectors, where a vector space associated with the one or more numerical vectors is infinite-dimensional. The classification system may further cluster the one or more numerical vectors using a first machine learning model to generate one or more clusters. Accordingly, the classification system may determine one or more classifications based on the set of structured data, each of the one or more classifications being associated with a corresponding frequency and a corresponding category.

Abstract: In some implementations, a verification device may generate a first set of radio buttons associated with a first verification procedure and provide the first set of radio buttons in an area associated with a verification template. The verification device may receive a selection of a configuration for the first verification procedure using the first set of radio buttons. The verification device may generate a second set of radio buttons associated with a second verification procedure and provide the second set of radio buttons in the area associated with the verification template. The verification device may receive a selection of a configuration for the second verification procedure using the second set of radio buttons. Accordingly, the verification device may generate instructions for generating a set of user interfaces based on the selection of the configuration for the first verification procedure and the selection of the configuration for the second verification procedure.

Abstract: In some implementations, a verification system may generate a selector associated with a plurality of countries. The verification system may receive an indication of a selected country from the plurality of countries. Accordingly, the verification system may generate one or more visual regions, where each visual region is associated with a corresponding verification rule and includes at least one pair of visual selectors with a first selector associated with a type of user information and a second selector associated with a type of matching. The verification system may modify the verification rule based on interaction with the at least one pair of visual selectors included in a corresponding visual region of the one or more visual regions.

Abstract: In some implementations, a data aggregator may receive an indication associated with a data record. The data aggregator may apply a model to the indication to generate a prediction regarding when new information associated with the data record will be available. Based on the prediction, the data aggregator may refrain from requesting new information and may schedule a pull for new information associated with the data record for a later time. Additionally, or alternatively, the data aggregator may receive an indication associated with a plurality of data pulls that are associated with a plurality of data records and may receive an indication of a rate limit associated with a host for the plurality of data records. The data aggregator may apply rules to generate a ranking of the plurality of data pulls and may schedule the plurality of data pulls based on the ranking and the rate limit.

Abstract: A system and method for altering client fingerprint that includes editing data components of network communication from a client device to a server, which comprises editing network protocol data from the client during negotiation of a cryptographic protocol; selectively enabling access to library components specified in the edited client network protocol data; and sending a client communication to the server using the edited client network protocol data.

Abstract: A system and method for aggregating account data, and more specifically, a system and method for aggregation of financial account data that provides enhanced privacy and security protections to a user by enabling the user to maintain custody of his or her login credentials. A syncing agent in coordination with a system add-on coordinates log-in to a remote system and storage of session information. Syncing agent utilizes the session agent to retrieve additional information on behalf of the user or perform other tasks on the remote server.

Abstract: A system and method for cloud management of user interactions on a client device comprising: initiating, in response to an initiation request of a client application, processing of a workflow configuration with an initial session state, wherein the workflow is a data model of a graph of nodes connected with directed edges, where the nodes include a set of node types that includes at least a pane node; iteratively processing the workflow configuration, initially using the initial session state, and thereby generating rendered panes for use in a user interaction flow of a client application, which comprises: following a next edge of the workflow configuration to determine a next workflow node, processing the next workflow node, which comprises, when the next workflow node is a pane node, rendering the pane node into a rendered pane, and sending the rendered panes to the client device.

Abstract: A system and method that includes receiving a client data packet from network traffic with a client device; extracting a set of packet components from the client data packet; generating a client fingerprint from the set of packet components; assigning a client type to the network traffic using the client fingerprint; and optionally filtering the network traffic of the client device based at least in part on the client type.

Abstract: Systems and methods for programmatic access of external financial service systems. An application proxy instance is created that simulates an application of an external financial service system. A normalized account request is received for financial data of the external financial service system for a specified account. The normalized account request is provided by an external financial application system by using a financial data API of the financial platform system. Responsive to the normalized account request, communication is negotiated with the external financial service system by using the application proxy instance to access the requested financial data from the external financial service system by using a proprietary Application Programming Interface (API) of the external financial service system. The financial data is provided to the external financial application system as a response to the normalized account request.

Abstract: A system and method for secure permissioning of access to user accounts, including secure distribution of aggregated user account data can include generating a financial report based on account information associated with one or more user accounts; receiving a financial report request for the financial report of the user account, wherein the financial report request is identified as being received from a third-party system; generating an audit report token associated with the financial report; sharing the audit token with the first third-party system in response to the financial report request; and providing the first third-party system account access to the financial report through the report token, where the audit report token can be shared with a second third-party system and provided by the second third-party system in order to confirm authorization to the report and integrity of the report.