Abstract: In general terms, embodiments of the present invention relate to methods and apparatuses for providing protection for exceeding a credit threshold. In embodiments of the present invention are configured to: (a) receive a request to authorize a transaction involving a credit account, (b) determine that the credit account will exceed the credit threshold as a result of the transaction, and (c) authorize the transaction based at least partially on a determination that the credit account has protection through a source account for exceeding the credit threshold. As another example, other embodiments of the present invention are additionally and/or alternatively configured to: (a) determine that a credit account has exceeded, or will exceed the credit threshold as a result of a transaction, and (b) transfer funds from a source account to the credit account in an amount sufficient to offset the amount which exceeds the credit threshold.

Abstract: In general terms, embodiments of the present invention relate to methods and apparatuses for providing an account exceeding available funds or credit service involving an account exceeding available funds or credit magnetic stripe.

Abstract: In general terms, embodiments of the present invention relate to methods and apparatuses for providing a service for exceeding account thresholds via a mobile device. For example, in some embodiments, a method is provided that includes: (a) receiving transaction information associated with a transaction, where the transaction involves an account, a transaction machine, and a holder of the account; (b) determining, based at least partially on the transaction information, that the account will incur an excess threshold amount as a result of the transaction; (c) prompting the holder to consent to the excess threshold amount via the mobile device, where the holder is associated with the mobile device; (d) receiving the holder's consent to the excess threshold amount; and (e) authorizing the transaction based at least partially on the receiving the holder's consent.

Abstract: In general terms, embodiments of the present invention relate to methods and apparatuses for providing a service for exceeding account thresholds via a transaction machine. For example, in some embodiments, a method is provided that includes: (a) receiving transaction information associated with a transaction, where the transaction involves an account, a transaction machine, and a holder of the account; (b) determining, based at least partially on the transaction information, that the account will incur an exceeded threshold as a result of the transaction; (c) prompting, via the transaction machine, the holder to consent to the exceeded threshold; (d) receiving the holder's consent to the exceeded threshold; and (e) authorizing the transaction based at least partially on the receiving the holder's consent.

Abstract: In some embodiments of the present invention, a method is provided that includes: (a) receiving transaction information associated with a transaction; (b) determining, based at least partially on the transaction information, that the transaction involves an account, occurred after a daily cutoff time on a first day, has a predetermined transaction type, and includes a transaction amount; and (c) designating, using a processor and based at least partially on the determining that the transaction occurred after the daily cutoff time and has the predetermined transaction type, the transaction amount for inclusion in the daily ending balance for the account for the first day. In some embodiments, the method further includes designating, based at least partially on the determining that the transaction occurred after the daily cutoff time, the transaction for posting to the account on a second day, where the second day is any day after the first day.

Abstract: In general terms, embodiments of the present invention relate to methods and apparatuses for providing a service for account with unavailable funds or credit using a passcode for the account with unavailable funds or credit For example, in some embodiments, a method is provided that includes: (a) receiving transaction information associated with a transaction, where the transaction involves an account; (b) determining, based at least partially on the transaction information, that the account will exceed available funds or credit as a result of the transaction; (c) receiving a passcode for the account with unavailable funds or credit associated with the account; and (d) authorizing the transaction based at least partially on the receiving the passcode for the account with unavailable funds or credit.

Abstract: Systems, methods, apparatuses, and computer readable media associated with providing a web-enabled front end for production support processes. A project task system retains all the project details, production support details, and metrics details in an easy to use tool and a database. The project task system may provide task tracking for production support activities and efforts. The project task system may manage, track, and document all production support key deliverables, activities, and data elements with teams deploying solutions within enterprise data warehouse environments.

Abstract: In general terms, embodiments of the present invention relate to methods and apparatuses for providing an amount-exceeding-credit-threshold service subject to one or more predetermined conditions. For example, in some embodiments, a method is provided that includes: determining that an account will exceed a credit threshold associated with the account as a result of a transaction, determining that a predetermined condition is met and/or that the consent of the holder of the account is valid for the transaction, and authorizing the transaction based at least partially on receiving the consent, determining that the holder's consent is valid for the transaction, and/or determining that the predetermined condition is met.

Abstract: Systems, devices, computer readable media and methods may be implemented to track the resiliency of an application. The systems and methods may include providing an interface for managing recovery information for an application. The systems and methods may also include requesting recovery information via a set of questions presented to a user at the interface. The systems and methods may further include receiving the recovery information from the user via the interface and associating the recovery information with the application.

Abstract: In some embodiments of the present invention, a method is provided that includes: (a) receiving information associated with a first transaction, where the first transaction involves a deposit account; (b) receiving information associated with a second transaction, where the second transaction involves the deposit account; (c) determining, based at least partially on the information associated with the first transaction, that an available balance associated with the deposit account is based at least partially on the first transaction; (d) determining, based at least partially on the information associated with the second transaction, that the available balance is not based on the second transaction; (e) posting first information to an online banking account, where the online banking account is associated with the deposit account, and where the first information indicates that the available balance is based at least partially on the first transaction; and (f) posting second information to the online banking acc

Abstract: Embodiments of the invention are directed to monitoring selected activity of a user of one or more social networks and providing offers to the user based on such selected criteria. For example, selected parameter could be the number of other users of the social network that are associated with the user, the number of posts entered by the user on the social network, the number of other users that respond to a post by the user, a type of product, service, or event that the user either selects or enters a posting for, and/or associations the user has with other selected users of the social network. In some embodiments, financial data associated with the user and other users of the social network may be analyzed to determine the user's influence on other users of the social network and provide offers to the user based on such influence.

Abstract: In general terms, embodiments of the present invention relate to methods and apparatuses for offsetting future exceeded account threshold payments. In some embodiments, a method is provided that includes: (a) receiving one or more payments for offsetting one or more future exceeded account threshold payments associated with an account; (b) receiving transaction information associated with a transaction, where the transaction involves the account, and where the transaction is initiated after the receiving the one or more payments; (c) determining, based at least partially on the transaction information, that the account will incur an exceeded account threshold as a result of the transaction; (d) determining that the one or more payments are sufficient to offset an exceeded account threshold payment associated with the exceeded account threshold; and (e) authorizing the transaction based at least partially on the determining that the one or more payments are sufficient.

Abstract: A networking platform for lending is disclosed. The platform may facilitate communication of potential borrowers and potential lenders where such lenders are not traditional financial institutional lenders. The platform may be configured to poll a potential borrower's social network to identify acquaintances that may wish to fund at least a portion of the requested loan.

Abstract: Systems, devices, computer readable media and methods for managing a review of a service level agreement (SLA) are provided. The systems and methods may include determining whether to initiate a review of the SLA and automatically initiating an SLA review in response to a determination to initiate a review of the SLA. The systems and methods may also include providing notification to a reviewer that the SLA is under review and receiving review information from the reviewer for the SLA review. The systems and methods may further include storing the review information such that the review information is associated with the SLA.

Abstract: A document indexing and delivery system is disclosed. Embodiments of the present invention provide an agent-based delivery platform to supply financial document images in a variety of formats to fulfill requests from various clients of an image processing system at a financial institution. Workflows can be created using extensible markup language (XML) to direct the operation of the system. Software agents on the system can include a client agent, a delivery agent, an index agent, a format agent, an image agent, and/or a workflow agent. The workflow agent manages the execution of the workflow. Images and relevant data can be located using a master index residing in partitioned, high-speed databases.

Abstract: Techniques and systems are disclosed to perform, in some examples, the steps of receiving a note or an image of a note, imaging at least a portion of the note, determining a value of at least one field indicated by a predetermined identifier of the note through character and mark recognition, and storing information regarding the note in a memory. The information regarding the note that may be stored in a memory may be forwarded to a regulatory agency or an external entity for reporting or record-keeping.

Abstract: Systems and methods for calculating threat scores for individuals within an organization or domain are provided. Aspects of the invention relate to computer-implemented methods that form a predictive threat rating for user accounts. In one implementation, a first threat score representing a first time period may be calculated. The first threat score may be compared with aspects of the same user accounts for a second time period. Weighting schemes may be applied to certain activities, controls, and/or user accounts. Further aspects relate to apparatuses configured to execute methods for ranking individual user accounts. Certain embodiments may not block transmissions that violate predefine rules, however, indications of such improper transmission may be considered when constructing a threat rating. Blocked transmissions enforced upon a user account may also be received. Certain activity, such as accessing the internet, may be monitored for the presence of a security threat and/or an ethics threat.

Abstract: MICR documents are read and sorted to a destination pocket for processing subject to a determination that an exception does not prevent the routing of the document. In example embodiments, for example, an error does not prevent the routing of the document if it is not related to the routing/transit field. In the case of digit errors, an optical character recognition (OCR) process is performed on the stored, electronic image of the document to correct digit errors in the stored data read from the documents. If a determination is made that correction or other exception processing cannot be handled through the OCR process, the image and corresponding MICR data is displayed on a user terminal, for manual verification or correction by reference to an image of the document, rather than the document itself.

Abstract: Embodiments of the invention relate to systems, methods, and computer program products for improved electronic discovery and custodian management. Embodiments herein disclosed provide for an enterprise wide e-discovery system that provides for data to be identified, located, retrieved, preserved, searched, reviewed and produced in an efficient and cost-effective manner across the entire enterprise system. In addition, by structuring management of e-discovery based on case/matter, custodian and data and providing for linkage between the same, further efficiencies are realized in terms of identifying, locating and retrieving data and leveraging results of previous e-discoveries with current requests.

Abstract: Embodiments of the invention relate to systems, methods, and computer program products for login initiated remote scanning of computer devices. The present invention detects login to the network via access management systems. The login data provides information that identifies the device so that the device can be checked against a scan database to determine if and when a previous scan occurred. Based on the findings in the scan database determinations are made as to whether to perform a scan. Additionally, the level of scanning can be determined based on previous scan dates and previous scan results, which may dictate customized scanning. In addition, the priority of the impending scan may be dictated by previous scan dates and results. Further embodiments provide for assessing risk, such as risk scoring or the like, concurrently or in near-real-time with the completion of the scan so that alerts may be communicated.