Abstract: Systems and methods including one or more processors and one or more non-transitory storage devices storing computing instructions configured to run on the one or more processors and perform receiving a request for a transfer from a selected payor account of a payor to a payee; determining a fraud risk score for the transfer; transmitting, to a payee financial institution for the payee, the fraud risk score, wherein the payee financial institution is configured to determine a transfer decision for the transfer based at least in part on the fraud risk score and information about a payee account for the transfer, wherein the payee account is owned by the payee and maintained by the payee financial institution; and when the transfer decision comprises an approval of the transfer by the payee financial institution, facilitating the transfer from the selected payor account to the payee account, wherein facilitating the transfer comprises: sending transfer information to a payor financial institution to cause the p

Abstract: Systems and methods including one or more processors and one or more non-transitory storage devices storing computing instructions configured to run on the one or more processors and perform receiving, at a system from a payee system for a payee, a request for a transfer from a payor to the payee, wherein: the request is sent by the payee without the payor selecting to use the system for the transfer; the payor is associated with a payor user profile of the payee system; and the request comprises a transfer token associated with the payor and the payee; retrieving a transfer data based on the transfer token, wherein: the transfer data is associated with the transfer token, a payor financial institution for the payor, and a selected payor account owned by the payor and maintained by the payor financial institution; and the transfer data comprises an access token for the payor financial institution and the payor; determining a fraud risk score for the transfer; transmitting, to a payee financial institution for

Abstract: Systems and methods including one or more processors and one or more non-transitory storage devices storing computing instructions configured to run on the one or more processors and perform receiving, from a payee system for a payee, a request for a transfer from a payor to the payee, wherein: the payor is associated with a payor user profile of the payee system; and the request comprises a transfer token associated with the payor and the payee; retrieving transfer data based on the transfer token, wherein: the transfer data is associated with the transfer token, a payor financial institution for the payor, and a selected payor account owned by the payor and maintained by the payor financial institution; and the transfer data comprises an access token for the payor financial institution and the payor; using the access token to access one or more eligible payor accounts owned by the payor and maintained by the payor financial institution, the one or more eligible payor accounts comprising the selected payor a

Abstract: Systems and methods including one or more processors and one or more non-transitory storage devices storing computing instructions configured to run on the one or more processors and perform receiving, from a payee system for a payee, a request for a transfer from a payor to the payee, wherein the payor is associated with a payor user profile of the payee system; causing a payor device for the payor to display an authorization user interface for the payor to authorize a payor financial institution to grant an access code to the system; requesting, from the payor financial institution, one or more eligible payor accounts owned by the payor and maintained by the payor financial institution; causing the payor device to display the one or more eligible payor accounts for the payor to determine a selected payor account of the one or more eligible payor accounts for the transfer; determining a fraud risk score for the transfer; transmitting, to a payee financial institution for the payee, the fraud risk score, wher

Abstract: Systems and methods including one or more processors and one or more non-transitory storage devices storing computing instructions configured to run on the one or more processors and perform receiving, from a payee system for a payee, a request for a transfer from a payor to the payee; causing a payor device of the payor to display an authorization user interface for the payor to authorize a payor financial institution to grant an access code to the one or more processors; in response to the payor financial institution granting the access code, requesting, from the payor financial institution, one or more eligible payor accounts owned by the payor and maintained by the payor financial institution; causing the payor device to display the one or more eligible payor accounts for the payor to determine a selected payor account of the one or more eligible payor accounts for the transfer; determining a fraud risk score for the transfer; transmitting, to a payee financial institution for the payee, the fraud risk sc

Abstract: A method including receiving, at a payment-messaging system from a payee financial institution, a request for payor profile information. The request can include a public identifier of a payor. The acts also can include determining, using a directory at the payment-messaging system, the payor profile information based on the request. The payor profile information can include a routing transit number for a payor financial institution that maintains a payor account of the payor when the payor financial institution is enabled to send real-time payments through a real-time settlement network. The payor profile information does not include an account number of the payor account.

Abstract: A method including a system receiving, through a computer network, a donation authorization from a donor via a donor user interface executed on a donor device. The method further can include, after receiving the donation authorization, determining by the system, in real-time, whether the donation authorization complies with a matching policy of the matching donor. The method further can include, after determining that the donation authorization complies with the matching policy, determining by the system, in real-time, a matching donation amount based at least in part on the matching policy. The matching donation amount can be less than, equal to, or greater than the donation amount.

Abstract: Systems and methods are disclosed in assessing and determining the health of social tokens associated with certain events. More specifically, but not by way of limitation, this disclosure relates to determining dynamic scores associated with social tokens for senders and receivers in those events and using those scores to assess whether to allow or reject the event.

Abstract: A system including one or more processors and one or more non-transitory computer-readable media storing computing instructions configured to run on the one or more processors and perform various acts. The acts can include: (a) receiving a payment authorization, through a network, from a sender financial institution; (b) obtaining, in real-time after receiving the payment authorization, a sender status based on sender information of the payment authorization; (c) when the sender status is preauthorized, instructing, through the network and in real-time after obtaining the sender status, a recipient financial institution to bypass a transaction fraud detection mechanism; and (d) instructing, through the network, the recipient financial institution to post a payment amount of the payment authorization to a recipient account in real-time. Other embodiments are described.

Abstract: A system including one or more processors and one or more non-transitory computer-readable media storing computing instructions configured to run on the one or more processors and perform various acts. The acts can include receiving, in real-time and through a computer network, a payment authorization from a first financial institution. The payment authorization can comprise a payment amount, a recipient account indicator, and a fund withholding instruction for the payment amount and associated with a release condition for the payment amount. The acts also can include after receiving the payment authorization, instructing, through the computer network, a fund withholding financial institution to post the payment amount to a fund withholding account maintained by the fund withholding financial institution. The acts further can include receiving, through the computer network and from the fist financial institution, a release decision that is based on the release condition.

Abstract: A method including providing a payment application to a sender from an application service provider. The method also can include receiving a payment authorization from the sender through the payment application. The payment authorization can be made by the sender at a payment authorization time. The method additionally can include sending a first debit message from the application service provider to debit a first account maintained by a first financial institution based on the payment authorization. The method further can include receiving a first debit response at the application service provider in real-time after the payment authorization time. The method additionally can include generating a first promise-to-pay message for a second financial institution to credit a second account maintained by the second financial institution to make funds available in the second account in real-time after the payment authorization time. The method further can include sending the first promise-to-pay message.

Abstract: A method including receiving a first promise-to-pay message at a second financial institution. The method also can include performing a successful credit for the payment amount to a second account maintained by the second financial institution to make funds available in the second account in real-time after the payment authorization time. The method additionally can include sending a first response from the second financial institution indicating the successful credit of the second account maintained by the second financial institution to inform at least the sender in real-time after the payment authorization time of the successful credit of the second account maintained by the second financial institution. Other embodiments are provided.

Abstract: A method including receiving a first promise-to-pay message at a transaction system. The method also can include storing the first promise-to-pay message in the transaction system. The method additionally can include sending a second promise-to-pay message from the transaction system to a second financial institution. The method further can include receiving a first response at the transaction system from the second financial institution indicating a successful credit of the second account maintained by the second financial institution. The method additionally can include storing the first response in the transaction system. The method further can include sending a second response from the transaction system indicating the successful credit of the second account maintained by the second financial institution to inform at least the sender in real-time after the payment authorization time of the successful credit of the second account maintained by the second financial institution.

Abstract: A method including receiving a debit message at a first financial institution to debit a first account maintained by the first financial institution based on a payment authorization for a payment amount made by a sender at a payment authorization time, the first account being held by the sender. The method also can include performing a successful debit for the payment amount from the first account maintained by the first financial institution in real-time after the payment authorization time. The method additionally can include sending a debit response from the first financial institution in real-time after the payment authorization time. Other embodiments are provided.

Abstract: Account data (e.g., balance information) for accounts at a plurality of financial institutions (or government agencies) is stored (and updated) in a central database system and accessed using a personal identifier, such as a social security number. Risk data may be generated for accounts based on the account data. The account data and risk data are accessed in response to either an account search request (e.g., from a government entity and relating to a benefits program or a subpoena) or an account verification request (e.g. from a mortgage company and relating to a mortgage application).

Abstract: A method can include receiving, at the system and from a first entity, a first request for invoicing a user. The first request can have been initiated by a user request of the user in a mobile application running on a mobile device. The method also can include sending, from the system and to a billing entity, a second request for invoicing the user based at least in part on the first request, the second request comprising a public identifier of the user. The method additionally can include, after sending the second request, receiving, at the system and from the billing entity, first information regarding an invoice for the user to pay the billing entity. The method further can include sending, from the system and to the first entity, second information for displaying an interactive invoice to the user. The second information can be based at least in part on the first information.

Abstract: Account data (e.g., balance information) for accounts at a plurality of financial institutions (or government agencies) is stored (and updated) in a central database system and accessed using a personal identifier, such as a social security number. Risk data may be generated for accounts based on the account data. The account data and risk data are accessed in response to either an account search request (e.g., from a government entity and relating to a benefits program or a subpoena) or an account verification request (e.g. from a mortgage company and relating to a mortgage application).

Abstract: A system including one or more processors and one or more non-transitory computer-readable media storing computing instructions configured to run on the one or more processors and perform various acts. The acts can include receiving, from a first entity, a first request to pay a second entity. The first request can include (a) an account identifier of an account of the first entity at the second entity, (b) a payment amount, and (c) a preauthorization by the first entity to pay the payment amount to the second entity. The acts also can include sending a second request to the second entity based on the first request. The acts additionally can include receiving, from the second entity, an invoice for the first entity for the payment amount.

Abstract: A system including one or more processors and one or more non-transitory computer-readable media storing computing instructions configured to run on the one or more processors and perform various acts. The acts can include receiving a request to register a second entity under a security status. The request can include a public identifier for the second entity. The acts also can include registering the second entity under the security status after receiving confirmation that the public identifier corresponds to the second entity and that the second account is held by the second entity. The acts additionally can include providing, to a first entity, first information that identifies the second entity as satisfying the security status. The first entity can have enrolled a first account maintained at a first institution in real-time transactions. The acts further can include receiving an authorization from the first entity to handle a statement using the first account.

Abstract: Identity data for an applicant opening a bank account is provided to an ID confidence scoring system. The scoring system accesses a multi-source data management system, using queries that include a base component, a link component and a function component. Data records maintained by the multi-source data management system include header data having identity data elements, with the header data analyzed pursuant to the queries. Queries may also be provided to an entity resolution system having data records organized in data networks, each data network corresponding to a single entity. Query results are used to develop an ID confidence score for applicant identity data.