Abstract: A mobile device includes a processing circuit and a network interface structured to communicate data over a network. The mobile device transmits an instance of user activity information to a remote computing system. The mobile device receives and implements, from the remote computing system, a time-limited budget restriction on a user payment account. The time-limited budget restriction is based on a user spending profile that is based on the instance of the user activity information as compared to a baseline level of user spending and a baseline activity characteristic.

Abstract: A mobile device includes a processing circuit and a network interface structured to communicate data over a network. The mobile device generates and transmits a request to register for an alert program to a remote computing system and the mobile device renders a registration interface comprising a prompt asking permission to access user activity information. In response to receiving permission, the mobile device transmits an indication of approval to a remote computing system. After transmitting approval, the mobile device transmits an instance of the user activity information to the remote computing system. In response to sending the instance, the mobile device receives and implements a time-limited budget restriction on a user payment account where the time-limited budget restriction is based at least in part on the instance of the user activity.

Abstract: A financial institution computing system includes a customer account database configured to retrievably store information pertaining to a plurality of financial accounts held by a plurality customers of the financial institution and a processing circuit. The processing circuit is configured to transfer a first amount of funds from a plurality customer financial accounts associated with a plurality of customers a pooling account, wherein the plurality of customers belong to a predetermined pooling group associated with the pooling account, identify a financial account associated with a paying customer, the paying customer having insufficient funds for a payment amount to a third party, and transfer a second amount of funds from the pooling account based on the payment amount to the financial account associated with the paying customer , wherein the paying customer belongs to the predetermined pooling group.

Abstract: A computer-implemented method performed by a computing system includes gathering payment history data for a payment account, held by a customer with an accounts provider, by at least one of data mining the payment history data from a database associated with the accounts provider or screen scraping the payment history data, wherein the payment account is associated with payment information. The method also includes identifying a subset of the payment history data that relates to online payments, analyzing the subset of the payment history data to identify characteristics of the online payments made from the payment account, and, based on the characteristics, determining one or more third parties that are likely storing the payment information. The method further includes displaying a list of the one or more third parties to the customer.

Abstract: A financial institution computing system includes a network interface structured to communicate data over a network, a user database configured to store information to a plurality of users, and a processing circuit comprising a processor and a memory. The memory is structured to store instructions that are executable by the processor and cause the processor to retrieve a user transaction history associated with the user payment account from the user database, determine a baseline level of user spending based on the user transaction history, receive, by the network interface, user activity information pertaining to the user, determine that the received user activity information is indicative of a predetermined level of user spending relative to a baseline level of user spending, and transmit, by the network interface, an alert to a user computing device associated with the user responsive to the determination.