Abstract: Methods, systems and computer-readable media for extracting data from a document. One method includes receiving a document in a text format and assigning a first signature to the document. The method also includes matching the first signature to a second signature of a template and extracting data a user desires to have extracted from the document, wherein instructions for locating the data are stored within the template.

Abstract: A method for anticipating and preventing financial account overdrafts includes receiving financial data for a financial account associated with a user. A likelihood that the financial account will experience an overdraft event is determined using a funds transaction model, where the funds transaction model is configured to predict overdraft events based on financial data. When the likelihood that the financial account will experience an overdraft even exceeds a threshold, the method further includes transferring an amount of funds into the financial account associated with the user. The amount of funds transferred to the financial account is sufficient to prevent the overdraft event. Finally, a notification is transmitted to a user system associated with the user. The notification indicates the transfer of an amount of funds into the financial account.