Abstract: A systems and methods are described detect fraud in existing logs of raw data. There can be several disparate logs, each including data of disparate data types and generated by different and possibly unrelated software enterprise applications. The fraud management system aggregates and organizes the raw log data, extends the raw data with reference data, archives the data in a manner that facilitates efficient access and processing of the data, allows for investigation of potentially fraudulent usage scenarios, and uses the results of the investigation to identify patterns of data that correspond to correspond to high risk usage scenarios and/or process steps. In subsequent processing, archived data can be compared against the identified patterns corresponding to high risk usage scenarios to detect matches, and the invention thereby automatically detects high risk usage scenarios and issues appropriate alerts and reports.

Abstract: An electronic clearinghouse system includes a first payment agent associated with a payer institution and configured to transmit a request for secure payee account information, and further configured to initiate a payment over a payment network from the payer institution to a payee using the secure payee account information; and a second payment agent associated with a payee institution that is associated with a payee identified by the secure payee account information, the second payment agent configured to receive, from the first payment agent, the request for the secure payee account information, and further configured to transmit the secure payee account information to the first payment agent.

Abstract: A systems and methods are described detect fraud in existing logs of raw data. There can be several disparate logs, each including data of disparate data types and generated by different and possibly unrelated software enterprise applications. The fraud management system aggregates and organizes the raw log data, archives the data in a manner that facilitates efficient access and processing of the data, allows for investigation of potentially fraudulent usage scenarios, and uses the results of the investigation to identify patterns of data that correspond to correspond to high risk usage scenarios and/or process steps. In subsequent processing, archived data can be compared against the identified patterns corresponding to high risk usage scenarios to detect matches, and the invention thereby automatically detects high risk usage scenarios and issues appropriate alerts and reports.

Abstract: According to another example, a payment directory system is provided. The payment directory system includes a payment directory executed by at least one computer system. The payment directory is configured to receive information descriptive of a first payment subdirectory administered by a financial institution. This information includes associations between a subdirectory identifier of the first payment subdirectory and a plurality of identifiers of payees. The payment directory is also configured to store the information and transmit, via the at least one network interface, data descriptive of at least a portion of the information. This data is transmitted to a second payment subdirectory different from the first payment subdirectory. The data includes at least one association between the subdirectory identifier and an identifier from the plurality of identifiers of payees.

Abstract: A systems and methods are described detect fraud in existing logs of raw data. There can be several disparate logs, each including data of disparate data types and generated by different and possibly unrelated software enterprise applications. The fraud management system aggregates and organizes the raw log data, extends the raw data with reference data, archives the data in a manner that facilitates efficient access and processing of the data, allows for investigation of potentially fraudulent usage scenarios, and uses the results of the investigation to identify patterns of data that correspond to correspond to high risk usage scenarios and/or process steps. In subsequent processing, archived data can be compared against the identified patterns corresponding to high risk usage scenarios to detect matches, and the invention thereby automatically detects high risk usage scenarios and issues appropriate alerts and reports.

Abstract: A systems and methods are described detect fraud in existing logs of raw data. There can be several disparate logs, each including data of disparate data types and generated by different and possibly unrelated software enterprise applications. The fraud management system aggregates and organizes the raw log data, extends the raw data with reference data, archives the data in a manner that facilitates efficient access and processing of the data, allows for investigation of potentially fraudulent usage scenarios, and uses the results of the investigation to identify patterns of data that correspond to correspond to high risk usage scenarios and/or process steps. In subsequent processing, archived data can be compared against the identified patterns corresponding to high risk usage scenarios to detect matches, and the invention thereby automatically detects high risk usage scenarios and issues appropriate alerts and reports.

Abstract: Systems and methods for conducting financial transactions are provided. In one example, a system for conducting financial transactions includes a transaction proposal device. The transaction proposal device includes a unique device identifier, a geographic location detector, and a digital camera. In another example, the system for conducting financial transaction also includes a transaction controller configured to receive and potentially initiate proposed financial transactions generated by the transaction proposal device.