Abstract: Systems and methods disclosed allow a permitting party to share personal information with a receiving party. The receiving party may use the information to authenticate the permitting party, assess the permitting party, determine if the permitting party is compatible with one or more other users associated with the receiving party, or validate the permitting party. The permitting party may define how much of the permitting party's personal information is shared, and/or limit the use of the information for one or more specific purposes. A requesting party may also set up criteria for the types of information it wants to review along with the intended use of the information. The systems and methods disclosed also enables permitting parties the ability to grant requesting parties access to requested information.

Abstract: Systems and methods disclosed enable a permitting party to share credit data and/or personal information with a receiving party, such as an individual with whom the permitting party has established a trusted connection. In some embodiments, the permitting party may define how much of the permitting party's personal information or other data is shared. In some embodiments, data sharing may be enabled, in part, by generating an identifier that may be provided to the receiving party in order to access the shared data.

Abstract: Systems and methods disclosed allow a permitting party to share personal information with a receiving party. The receiving party may use the information to authenticate the permitting party, assess the permitting party, determine if the permitting party is compatible with one or more other users associated with the receiving party, or validate the permitting party. The permitting party may define how much of the permitting party's personal information is shared, and/or limit the use of the information for one or more specific purposes. A requesting party may also set up criteria for the types of information it wants to review along with the intended use of the information. The systems and methods disclosed also enables permitting parties the ability to grant requesting parties access to requested information.

Abstract: A method for using transaction records to detect fraud, including receiving a plurality of identity records comprising identity related information; receiving a plurality of transaction records comprising transaction information from a plurality of client institutions; linking the plurality of identity records with each other based on the identity related information; linking the plurality of transaction records with the identity records, wherein a link between a transaction record and an identity record is created when a characteristic of the transaction information of the transaction record is similar to a characteristic of the identity related information of the identity record, the links forming a graphical pattern; and performing statistical analysis of the graphical pattern to detect fraud, wherein the statistical analysis comprises analyzing the graphical pattern to determine whether the graphical pattern is anomalous when considered in relation to a normal graphical pattern.

Abstract: A method for identifying a fraudulent account application includes receiving a new account application comprising a plurality of identity-related fields and linking the identity-related fields associated with the new account application with identity-related fields associated with a plurality of historical account applications. The links form a graphical pattern on which statistical analysis can be performed to determine the likelihood that the new account application is fraudulent. The statistical analysis can comprise comparing the graphical pattern to a known, or normal graphical pattern in order to detect differences, or anomalies occurring in the graphical pattern associated with the new account application.