Abstract: A payer computing system includes a processing resource, a memory resource, and computer-executable instructions stored thereon and embodied in a customer-side application programming interface (API). The instructions, when executed by the processing resource, cause the payer computing system to receive an electronic payment request and, in response, generate a request (e.g., a first API message) to access a biller computing system using a previously generated payer electronic token. The request is transmitted to the biller computing system. The payer computing system receives (e.g., via a second API message) payment information provided by the biller computing system in response to the request to access. Based on payment information, the payer computing system generates a payment transaction and causes (e.g., via a third API message) the payment transaction to be initiated.

Abstract: A provider computing system includes a network interface and a processing circuit structured to receive a plurality of fraud cases where each fraud case is associated with transaction data and an initial priority score, determine an updated priority score for each fraud case based on the transaction data and case prioritization data where the case prioritization data includes a set of rules developed using a machine learning model, assign each fraud case to one of a plurality of queues, assign at least one fraud case to a fraud agent computing terminal associated with a fraud agent responsive to determining its updated priority score is at or above a threshold by moving the at least one fraud case to a cache, receive an input from the fraud agent computing terminal regarding a disposition of the at least one fraud case, and restructure the case prioritization data based on the input.

Abstract: A system includes a processing circuit having one or more processors coupled to memory, the processing circuit configured to generate a requestor token comprising information of an applicant and determine verification information is required to process an application associated with the applicant. The processing circuit is further configured to retrieve the verification information based on previously stored information corresponding to the applicant, generate a task comprising a requirement to fulfill based on determining additional information is required, and provide a list of tasks comprising the task to the applicant.

Abstract: A provider computing system includes a network interface and a processing circuit including a processor structured to receive sets of fraud cases. The processor 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: A biller processor computing system is associated with a biller. The biller processor computing system includes a processing resource, a memory resource, and computer-executable instructions stored thereon and embodied in a biller processor application programming interface (API) engine. The instructions, when executed by the processing resource, cause the biller processor computing system to extract a payer identifier from an electronic bill (e.g., an electronic bill received from the biller). Based at least on the payer identifier, a corresponding electronic token is retrieved from data storage media. The electronic token relates to payer authentication information for a biller computing system, which is communicatively coupled to the biller processor computing system. The electronic token is included in the electronic bill, and the electronic bill is transmitted to a payer computing system.

Abstract: Systems, methods, and computer-readable storage media for performing a peer-to-peer (P2P) transfer by a third-party, where a method includes receiving transfer information and a first token including sender information of a sender and a second token including receiver information of a receiver, processing the first token and the second token, transmitting a request for a guarantee, receiving an issued guarantee, transferring funds, and transmitting a transfer confirmation.

Abstract: A computer-implemented method includes receiving an electronic enrollment request including identification information associated with a receiving financial institution holding a receiving financial account for a biller. The method includes displaying, on a user interface of a user computing device, an interactive control configured to collect user authentication data for the biller. The user holds an account with the biller. In response to receiving authentication data at the user computing device, the method includes transmitting the authentication data to a remote computing system associated with the biller, causing the remote computing system associated with the biller to generate an authentication token after validating the authentication data, generating a biller enrollment record, the biller enrolment record including the authentication token, and saving the authentication token relationally to information regarding a user and relationally to information regarding the biller.

Abstract: A method includes receiving a fund transfer request and an amount to transfer to a payee; receiving an identification of a data collision regarding information associated with the payee and another user; displaying a visual representation regarding the data collision; receiving a designated rail for a funds transfer based on a designated transfer timing and the amount to transfer to the payee; receiving an indication from a user confirming that information regarding the payee is correct; subsequent to receiving the indication, sending an instruction that facilities identification of the payee by resolving the data collision regarding the information associated with the payee and the another user by deactivating an association of at least some overlapping information with the another user; receiving a message indicating that the funds transfer corresponding to the fund transfer request has been completed; and providing the message indicating that the funds transfer has been completed.

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: Systems, methods, and computer-readable storage media for performing a peer-to-peer (P2P) transfer by a third-party, where a method includes receiving transfer information and a first token including sender information of a sender and a second token including receiver information of a receiver, and validating the first token and the second token based on verifying both the sender and the receiver are registered with the real-time payment system. The method includes processing the first token and the second token based on determining a sender endpoint, a receiver endpoint, and a demand deposit account of the sender, and transmitting a request for a guarantee, the request for the guarantee including the sender endpoint and the demand deposit account of the sender. The method includes receiving an issued guarantee, transferring funds based on the transfer information, the first token, and the second token, and transmitting a transfer confirmation.

Abstract: A method for coordinating billing requests and payments across different financial institutions includes receiving an electronic enrollment request by a biller exchange computing system from a customer computing device; displaying an interactive control on a user interface of the customer computing device configured to collect customer authentication data for the biller; transmitting the customer authentication data to a remote computing system associated with the biller; causing the remote computing system to generate a customer-biller account authentication token that authorizes the biller exchange computing system to perform financial transactions with the biller on behalf of the customer; and authenticating, by the biller exchange computing system, a transaction request received from the customer computing device for a transaction between the customer and the biller based on the customer-biller account authentication token.

Abstract: Techniques described herein include performing a distributed device trust determination that includes determining trust scores for customer devices across multiple organizations. In one example, this disclosure describes a method that includes receiving data of a user device event including an organization confidence level for a user device associated with the user device event; updating common data in an entry for the user device in a device registry based on the received data of the user device event and the organization confidence level for the user device; determining a common confidence level for the user device based on the common data in the entry for the user device in the device registry; and outputting the common confidence level for the user device for use by the computing device of the first organization to determine how to handle an access request from the user device.

Abstract: A financial institution computing system includes a network circuit enabling exchanging information over a network, a customer database storing financial information and validated customer information for a plurality of customers of the financial institution, and a transaction authentication circuit configured to receive transaction information from an originating computing device; determine that the transaction is one of an on-us transaction or an off-us transaction; authenticate the transaction information, in response to the transaction being off-us, by determining that the transaction information matches information stored in a third party authentication system; authenticate the transaction information by determining, in response to the transaction being on-us, that the transaction information matches the validated customer information stored in the customer database; and transmit a confirmation message to the originating computing device.

Abstract: A system includes a processing circuit having one or more processors coupled to memory, the processing circuit configured to generate a requestor token comprising information of an applicant and determine verification information is required to process an application associated with the applicant. The processing circuit is further configured to retrieve the verification information based on previously stored information corresponding to the applicant, generate a task comprising a requirement to fulfill based on determining additional information is required, and provide a list of tasks comprising the task to the applicant.

Abstract: Systems, methods, and non-transitory computer-readable media for performing exchanges. One method includes receiving a request identifying a payor account and an amount of funds to transfer an account associated with a customer of the depository bank computing system, determining the request qualifies for a non-inquiry transaction (NIT) protocol, transmitting, by the depository bank computing system to an account verification service computing system over the real-time data channel, a guarantee offer including a payor account token based on the shared account status information, receiving, over the real-time data channel and from the account verification service computing system, an accepted guarantee offer, crediting an account of the customer, receiving, over the real-time data channel, a guarantee override, and reversing the transfer of funds associated with the guarantee.

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 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.