Abstract: Implementations are disclosed herein to provide tiered access to databases. In some implementations, a method includes an enrollment processor, generating, at the enrollment processor, an encryption key specific to a computing device associated with the tiered data; providing the encryption key to the computing device; receiving, at the enrollment processor, the tiered data that includes at least first tier data and second tier data, storing the tiered data, receiving, at the enrollment processor, an access request from a second computing device associated with a user, determining, using the in-memory cache, whether there is a match between the data elements and the stored second tier data, based on determination that there is the match, performing a decryption of a portion of the first tier data using the encryption key, and storing the decrypted portion of the first tier data in a third database connected to the enrollment processor.

Abstract: Systems and methods of providing access to earned but unpaid income are provided. An available balance of earned but unpaid income is computed. A login request and device information may be received from a remote device and a login procedure is invoked based on an assessed security level of the login device type. On authenticating the remote device successfully, the available balance of earned but unpaid income is recomputed. A list of financial services is displayed to the user, and a request may be received from the remote device for access to earned but unpaid income specifying cash access, an amount and a deduction schedule. Terms and conditions of a transaction, including a fee are displayed and a signal indicating acceptance is received. The request is fulfilled, cash dispensed, and a deduction file associated with an employer of the user is updated.

Abstract: Methods and systems (including associated devices) are disclosed herein that allow for the enrollment and onboarding of users, in systems that provide access to accrued but unpaid earnings, to users such as employees of employers. In at least some embodiments, a scoring engine is used that verifies the identity of an enrolling employee. An enrollment processor is used which is operatively coupled to an employer database. Also, in at least some embodiments, enrollment is allowed if queries generated by a rules and scoring engine and posed to an employee is responded to using an access device.

Abstract: Systems and methods of providing access to earned but unpaid income are provided. An available balance of earned but unpaid income is computed. A login request and device information may be received from a remote device and a login procedure is invoked based on an assessed security level of the login device type. On authenticating the remote device successfully, the available balance of earned but unpaid income is recomputed. A list of financial services is displayed to the user, and a request may be received from the remote device for access to earned but unpaid income specifying cash access, an amount and a deduction schedule. Terms and conditions of a transaction, including a fee are displayed and a signal indicating acceptance is received. The request is fulfilled, cash dispensed, and a deduction file associated with an employer of the user is updated.

Abstract: Systems and methods of providing access to earned but unpaid income are provided. An available balance of earned but unpaid income is computed. A login request and device information may be received from a remote device and a login procedure may be invoked based on an assessed security level of the login device type. On authenticating the remote device successfully, the available balance of earned but unpaid income may be recomputed. A list of financial services is displayed to the user, and a request may be received from the remote device for access to earned but unpaid income specifying a financial service, an amount and a deduction schedule. Terms and conditions of a transaction, including a fee are displayed and a signal indicating acceptance is received. The request may be fulfilled and a deduction file associated with an employer of the user is updated.

Abstract: Systems and methods of providing access to earned but unpaid income are provided. An available balance of earned but unpaid income is computed. A login request and device information may be received from a remote device and a login procedure may be invoked based on an assessed security level of the login device type. On authenticating the remote device successfully, the available balance of earned but unpaid income may be recomputed. A list of financial services is displayed to the user, and a request may be received from the remote device for access to earned but unpaid income specifying a financial service, an amount and a deduction schedule. Terms and conditions of a transaction, including a fee are displayed and a signal indicating acceptance is received. The request may be fulfilled and a deduction file associated with an employer of the user is updated.

Abstract: Methods and systems (including associated devices) are disclosed herein that allow for the providing of one or more financial services, including the facilitating of access to accrued but unpaid earnings, to users such as employees of employers. In at least some embodiments, the extent to which services can be accessed or used is determined at least in part based upon one or more risk determinations. For example, in the case of a service for distributing accrued but unpaid earnings before an end of a pay period to an employee (sometimes in the absence of immediate access to a number of hours the employee has worked), risk factors such as a number of future repayments promised as well as a currency multiple can be used to adjust a risk score. Also, in at least some embodiments, access by an employee to an account is performed via a kiosk and allowed only if a code provided to an employee mobile device is entered at the kiosk.