Abstract: A method including receiving a request from a second financial institution to determine whether any accounts held by a first entity support real-time payment transactions. The method also can include determining one or more first accounts held by the first entity using the directory. The method additionally can include validating that one or more third accounts held by the first entity support real-time payment transactions. The method further can include, after the first entity has enrolled in real-time invoicing and payments, sending an interactive invoice to the first entity, the interactive invoice comprising an option to pay the financial obligation immediately using at least one of the one or more third accounts. The method additionally can include receiving an authorization from the first entity to pay the invoice immediately using at least one of the one or more third accounts.

Abstract: A system for identifying and expediting the release of held items, such as checks. Paying banks (having accounts against which the checks are drawn) provide paid item files to the system, and depository banks (where checks have been deposited) provide held item files to the system. If there is a match of a paid item file and held item file (indicating that a held check has been paid by the paying bank), the depository bank is notified that the item has been paid and that the hold may be released.

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 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 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: 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.

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: Account data (e.g., account balance, account identifiers, account holder information and transaction data) for accounts at a plurality of financial institutions are stored at one or more databases within an account database system. The account data may be accessed in response to various requests (asset search request, as a verification request and income verification request). Transaction data for an account (such as ACH transaction messages) may be used to identify or verify income to an account holder, based on deposit/credits to the account.

Abstract: A system for identifying and expediting the release of held items, such as checks. Paying banks (having accounts against which the checks are drawn) provide paid item files to the system, and depository banks (where checks have been deposited) provide held item files to the system. If there is a match of a paid item file and held item file (indicating that a held check has been paid by the paying bank), the depository bank is notified that the item has been paid and that the hold may be released.

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).