Abstract: A system, method, and apparatus for a funds transfer is provided. A method includes: receiving a fund transfer request from a user regarding a payee and an amount of funds to transfer to the payee; sending the fund transfer request to a computing system; receiving an identification of the payee; receiving an identification of a data collision regarding information associated with the payee and another user; prompting the user to verify that the information regarding the identification of the payee is correct; receiving an indication from a user; sending an instruction that facilitates identification of the payee by resolving the data collision by deactivating an association of at least some overlapping information with the another user; receiving a message indicating that a fund transfer corresponding to the fund transfer request has been completed; and providing a message indicating that the fund transfer has been completed.

Abstract: A computing device comprises a processing resource, a memory resource, and computer-executable instructions stored thereon and embodied in a biller exchange bill pay application, where the instructions cause the computing device to receive a data set comprising a plurality of billers from a biller exchange computing system, receive an authentication token from the biller exchange computing system, query a computing device property of the computing system, render an optimized version of the biller exchange bill pay application, display a user-interactive page comprising at least one user-interactive control where the at least one user-interactive control comprises at least one property dynamically populated based on the data set comprising the plurality of biller, and perform computing operations specified by the at least one property of the at least one user-interactive control using the authentication token and responsive to detecting a user interaction with the at least one user-interactive control.

Abstract: A system, method, and apparatus for a funds transfer is provided. A method includes: receiving a fund transfer request from a user regarding a payee and an amount of funds to transfer to the payee; sending the fund transfer request to a computing system coupled to a first payment directory and a second payment directory; receiving an identification of the payee and a second payment directory based on the fund transfer request; receiving an identification of a data collision regarding information associated with the payee and another user; displaying information regarding the identified payee; receiving an indication from a user that the information regarding the identified payee is correct; sending an instruction that facilitates identification of the payee by resolving the data collision; and providing, via a mobile device, a message indicating that the fund transfer has been completed.

Abstract: A method of performing an off-us deposit with reversal is provided. The method includes receiving, by a depository bank computing system associated with a depository bank, a request identifying an amount of a transfer of funds from a paying bank, different from the depository bank, into an account associated with a customer of the depository bank. The method further includes crediting, by the depository bank computing system, the account of the customer of the depository bank by the amount of the transfer of funds. The method further includes determining, by the depository bank computing system, a need for a reversal of the transfer of funds from the account of the customer of the depository bank. The method further includes reversing, by the depository bank computing system, the transfer of funds from the account of the customer by the amount of the transfer of funds.

Abstract: A method for encouraging saving towards a financial goal for an individual includes receiving on an electronic computing device one or more personal media elements from the individual. A receipt from a purchase by the individual is received. The receipt includes information relating to the purchase made by the individual. Information from the receipt relative to the financial goal is analyzed. At least one of the one or more personal media elements is selected for presentation with the receipt. The at least one of the one or more personal media elements selected is related to an effect of the purchase on achieving the financial goal.

Abstract: A computing device includes a processing resource, a memory resource, and computer-executable instructions stored thereon and embodied in a biller exchange bill pay application. The instructions, when executed by the processing resource, cause the computing device to receive, from a remote computing system, a data set comprising a plurality of billers. Each of the plurality of billers is subscribed to a biller exchange structured to allow each of the plurality of billers to deliver and receive payment on customer bills via a biller exchange computing system. A user-interactive page comprising at least one user-interactive control is generated and displayed on the computing device. The user-interactive control includes at least one property dynamically populated based on the data set comprising the plurality of billers (such as, for example, a property binding the user-interactive control to the data set).

Abstract: A system, method, and apparatus for interdirectory funds transfers is provided. A method includes: receiving data from two or more payment directories, the data comprising information pertaining to a plurality of users, each of which are enrolled with at least one of the two or more peer-to-peer payment directories; and normalizing the received data to create a uniform database for fund transfers. The normalization includes: converting at least a portion of the received data into a uniform file type; categorizing the uniform file type and at least some of the received data, the categorization based on a characteristic of the at least some of the received data and the uniform file type; and providing the categorized uniform file type and the at least some of the received data into categories specific to each peer-to-peer payment directory of the two or more peer-to-peer payment directories in the uniform database.

Abstract: Systems and techniques for an artificial intelligence natural language processing platform are described herein. A first dialogue configuration ruleset may be obtained for a first intent for a first entity. First user input may be received that includes a first text string from a chatbot session. The first intent may be identified from the chatbot session through evaluation of the first text string by a natural language processing engine using the first dialogue configuration ruleset. A dialogue stack may be generated for the chatbot session that includes a first state based on the first dialogue configuration ruleset. A first response to the first user input may be displayed based on the first dialogue configuration ruleset. The dialogue stack may be updated based on the first response.

Abstract: Systems and methods for providing for a personal data storage, retrieval, and sharing system are described. One method includes importing known user content during an initial content upload phase. The method further includes storing at least a portion of the known user content in a user information database. The method further includes identifying the first document and the second document as including duplicate data or being duplicate copies of one another. The method further includes identifying the second document as a master copy. The method further includes extracting data from the second document. The method further includes extracting additional data associated with the user from the account holder database. The method further includes aggregating the extracted data and the extracted additional data. The method further includes updating user information associated with a user account of the user based on the aggregated data.

Abstract: A system for prioritizing fraud cases includes a processing circuit and a network interface structured to receive fraud cases having transaction data and an initial priority score. The processing circuit is structured to determine an updated priority score for each fraud case based on case prioritization data comprising rules developed using a machine learning model, initiate an action for each fraud case based on the updated priority score, where the action comprises assembling a first group of the fraud cases in a single database and taking an action on a second group of the fraud cases, assign the first group to a computing terminal associated with a fraud agent, receive an input from the computing terminal regarding a disposition of the first group of fraud cases, update the model based on the input and the transaction data, and restructure the case prioritization data based on the updated model.

Abstract: In an example, a computer implemented method includes obtaining respective transactional data from each financial data source of a plurality of financial data sources, where the respective transactional data is each associated with a posting time. The method also includes determining a net liquidity amount from the respective transactional data based on the posting time of each of the respective transactional data. The method also includes outputting net liquidity data that is representative of the determined net liquidity amount.

Abstract: A system, method, and apparatus for a funds transfer is provided. A method includes receiving a fund transfer request from a user, the fund transfer request comprising a token regarding a payee and an amount of funds to transfer to the payee, wherein the user and the payee are members of different payment directories; sending the fund transfer request to a federated directory management system, wherein the federated directory management system is communicably and operatively coupled to the payment directories; receiving, by the mobile device, an identification of the payee and the payment directory associated with the payee based on the token from the federated directory management system; displaying a message indicating that the fund transfer has been completed; and performing a mobile device action, wherein the mobile device action depends on contents of the message.

Abstract: A method of performing a real-time non-inquiry electronic transaction is provided. The method includes receiving, by a paying bank computing system associated with a paying bank, a posting of a transaction from an account verification service, the transaction corresponding to a transfer of funds from the paying bank computing system to a depository computing system associated with a depository bank. The method further includes sending, by the paying bank computing system, an acknowledgement of the transaction to the account verification service, wherein the transaction is determined to be a non-inquiry transaction such that the transaction is posted at the depository bank computing system without performing an initial inquiry regarding the transaction at the account verification service.

Abstract: A method of managing tokens is provided. The method includes receiving, by a token management system from a user device, a request from a user to register a token with the token management system. The token is associated with the user and is stored by an entity computing system associated with a first entity of a plurality of entities. Each of the plurality of entities is associated with an entity computing system that stores at least one token of a plurality of tokens that are each registered with the token management system and each associated with the user. The method further includes modifying, by the token management system, the token stored by the entity computing system associated with the first entity based on a token command from the user. The modification includes associating the token with a different entity of the plurality of entities relative to the first entity.

Abstract: A computer-implemented system and method receive information regarding a funds transfer from a payor to a payee. The information is received by a depository computer system. The depository computer system forwards the information regarding the funds transfer to an account verification service computer system. The depository receives an indication of a real-time account status of an account of the payor. The account status information is received from a paying bank computer system that maintains the account of the payor via the account verification service computer system. Release of the funds to the payee is authorized based on the account status information received via the account verification service computer system. The authorization occurs in real-time relative to when the funds transfer information is initially received.

Abstract: A financial institution computing system associated with a financial institution includes an account management circuit configured to prompt a user via a user device to capture a first image of an identification item of the user and a second image of the user using the user device in response to receiving, over a network via a network interface, an input from the user device regarding establishing a new account at the financial institution. The account management circuit is further configured to receive, over the network via the network interface, the first image and the second image, verify the identity of the user by comparing the first image with the second image, and create the new account for the user by generating an account number for the user and storing the account number in the accounts database in response to the identity of the user being verified.

Abstract: A computer-implemented system and method receive information regarding a funds transfer from a payor to a payee. The information includes a data payload related to the funds transfer. The information is received by a depository computer system. The depository computer system forwards the information regarding the funds transfer to an account verification service computer system. The information, including the data payload, is transmitted by via the account verification service computer system to the paying bank for use by the payor.

Abstract: Systems, methods, and apparatuses provide token management in a federated fund transfer environment. An example method includes receiving, by a token management system, a designation of a single token; receiving, by the token management system, a token management designation adapted to manage the single token; receiving, by the token management system, a rule designation for the token to enable association of the single token with two or more entities of the federated fund transfer system; and generating, by the token management system, a rule based on the rule designation to cause application of the rule with the single token in a subsequent fund transfer transaction utilizing the single token.

Abstract: Systems, methods, and apparatuses for processing multi-party insurance claim payouts are provided. A method includes receiving, by a processing circuit, an electronic insurance claim payment request based on an insurance claim regarding an insured entity; evaluating, by the processing circuit, the electronic insurance claim payment request; and facilitating, by the processing circuit, a dispersal of an amount of funds based on the electronic insurance claim payment request to the insured entity.

Abstract: A system, method, and apparatus for interdirectory funds transfers is provided. The system includes two or more peer-to-peer payment directories; and a federated directory management system communicably and operatively coupled to the two or more peer-to-peer payment directories, wherein the federated directory management system is structured to: receive data from each of the two or more peer-to-peer payment directories; normalize the data to create a uniform database; receive a fund transfer request; query the uniform database to identify a payee; determine the payee belongs to a payment directory different from a payment directory of a payor based on the identity of the payee; and facilitate interdirectory processing of the fund transfer request.