Abstract: A system for controlling access to data includes: one or more interfaces operable to receive: an account identifier associated with a financial account and authentication criteria associated with the financial account, the authentication criteria identifying required authentication data based on a value of the transaction; one or more interfaces operable to receive a proposed transaction message, the proposed transaction message including a value of a proposed transaction, an account identifier, and a location of the proposed transaction; one or more processors communicatively coupled to the one or more interfaces, the one or more processors operable to: determine a financial account associated with the received account identifier and determine required authentication data for the proposed transaction based on the received account identifier and received value of the proposed transaction, the required form of authentication including one or more of: biometric authentication and location authentication.

Abstract: In certain embodiments, a system for real-time data processing includes one or more processors operable to: determine a deposit financial institution and deposit account based on received check data, determine a debit financial institution and debit account based on the received check data, determine that the deposit and debit financial institutions are member financial institutions, determine a debit amount based on received check data; and one or more interfaces operable to: communicate a debit notification to the debit financial institution, the debit notification including at least a portion of the received check data, and receive an authorization notification from the debit financial institution in response to communicating the debit notification, the authorization notification representing a commitment from the debit financial institution to transfer the debit amount to the deposit financial institution.

Abstract: In certain embodiments, a system for real-time overdraft detection includes one or more processors operable to: determine a deposit financial institution and deposit account based on the received check data, determine a debit financial institution and debit account based on the received check data, determine that the deposit financial institution and the debit financial institution are member financial institutions, determine a debit amount based on received check data, determine that the debit account matches an account associated with received account data, and determine that the debit amount exceeds an approved debit amount; the one or more interfaces further operable to communicate a declined transaction notification to the deposit account holder in response to determining that the debit amount exceeds the approved debit amount, the declined transaction notification notifying the deposit account holder that the debit amount cannot be credited to the deposit account holder.

Abstract: A system for controlling access to data, includes: one or more interfaces operable to receive an access point deauthorization message, the access point deauthorization message including one or more access point identifiers; and one or more processors operable to: determine an account identifier associated with the access point identifier included in the received access point deauthorization message, and deauthorize an access point identified by the received access point identifier from accessing the financial account associated with the determined account identifier associated with the received access point identifier.

Abstract: A system for controlling access to data includes: one or more interfaces operable to receive: an account identifier associated with a financial account and authentication criteria associated with the financial account, the authentication criteria identifying required authentication data based on a value of the transaction; one or more interfaces operable to receive a proposed transaction message, the proposed transaction message including a value of a proposed transaction, an account identifier, and a location of the proposed transaction; one or more processors communicatively coupled to the one or more interfaces, the one or more processors operable to: determine a financial account associated with the received account identifier and determine required authentication data for the proposed transaction based on the received account identifier and received value of the proposed transaction, the required form of authentication including one or more of: biometric authentication and location authentication.

Abstract: A system for controlling access to data, includes: one or more interfaces operable to receive an account alias messages, an account alias message comprising an account alias and one or more account identifiers; receive an account transaction message and a secure socket layer certificate generated with a block chain, the account transaction message comprising an account alias and a proposed transaction, and one or more processors operable to: determine that the received account transaction message is valid based on the received secure socket layer certificate by verifying that information included in the secure socket layer certificate is stored in the block chain, determine an account identifier associated with an account alias received in an account transaction message, and authorize the received proposed transaction for a financial account associated with the determined account identifier.

Abstract: A system for controlling access to data, includes: one or more interfaces operable to receive an access point deauthorization message, the access point deauthorization message including one or more access point identifiers; and one or more processors operable to: determine an account identifier associated with the access point identifier included in the received access point deauthorization message, and deauthorize an access point identified by the received access point identifier from accessing the financial account associated with the determined account identifier associated with the received access point identifier.

Abstract: In certain embodiments, a system for real-time overdraft detection includes one or more processors operable to: determine a deposit financial institution and deposit account based on the received check data, determine a debit financial institution and debit account based on the received check data, determine that the deposit financial institution and the debit financial institution are member financial institutions, determine a debit amount based on received check data, determine that the debit account matches an account associated with received account data, and determine that the debit amount exceeds an approved debit amount; the one or more interfaces further operable to communicate a declined transaction notification to the deposit account holder in response to determining that the debit amount exceeds the approved debit amount, the declined transaction notification notifying the deposit account holder that the debit amount cannot be credited to the deposit account holder.

Abstract: In certain embodiments, a system for real-time data processing includes one or more processors operable to: determine a deposit financial institution and deposit account based on received check data, determine a debit financial institution and debit account based on the received check data, determine that the deposit and debit financial institutions are member financial institutions, determine a debit amount based on received check data; and one or more interfaces operable to: communicate a debit notification to the debit financial institution, the debit notification including at least a portion of the received check data, and receive an authorization notification from the debit financial institution in response to communicating the debit notification, the authorization notification representing a commitment from the debit financial institution to transfer the debit amount to the deposit financial institution.