Abstract: Financial events can be provided using a push framework. Using the push framework, an aggregation provider can subscribe to receive a customer's financial data without ever requiring access to the customer's login credentials. Once an aggregation provider has subscribed to receive a customer's financial data, the financial institution's system can push financial events to the subscribed aggregation provider describing changes that have occurred to the customer's financial data.

Abstract: Articulating bedding systems include an adjustable foundation configured to provide an end user with clean air and maximize breathing airways.

Abstract: Interactive bedding systems for a child and processes of use include a mattress and a foundation supporting the mattress. The interactive bedding system can be dynamically adjusted to the child's individuality and age. The bedding system includes a control unit configured to automatically adjust articulating sections in the foundation, the one or more color-changeable lighting units, the one or more sound speakers, and the vibrating units upon detection of a sleep condition, and automatically detect a presence or an absence of the child on the articulating bedding system at a predetermined range of time and notifying a third party in the absence of the child during the predetermined range of time.

Abstract: Interactive articulating bedding systems for caring comfort of an individual in need thereof and processes generally include and a mattress and an adjustable foundation supporting the mattress. The interactive articulating bedding system and process generally include sleep diagnostics including a plurality of sensors at different locations within the interactive articulating bedding system configured to measure at least one health condition comprising heart rate, respiration rate, blood pressure, and/or oxygen level and provide output signals indicative of the at least one health condition. The at least one health condition can be provided to a third party so that they may remotely monitor wellness of the individual.

Abstract: Financial events can be provided using a push framework. Using the push framework, an aggregation provider can subscribe to receive a customer's financial data without ever requiring access to the customer's login credentials. Once an aggregation provider has subscribed to receive a customer's financial data, the financial institution's system can push financial events to the subscribed aggregation provider describing changes that have occurred to the customer's financial data.

Abstract: Financial events can be provided using a push framework. Using the push framework, an aggregation provider can subscribe to receive a customer's financial data without ever requiring access to the customer's login credentials. Once an aggregation provider has subscribed to receive a customer's financial data, the financial institution's system can push financial events to the subscribed aggregation provider describing changes that have occurred to the customer's financial data.

Abstract: A method for providing an accurate evaluation of a borrower's creditworthiness includes using a network-connected aggregation server to aggregate records of a plurality of financial transactions from one or more network-connected financial institution servers, wherein each record of a financial transaction comprises a unique identifier associated with its transaction and using the records of the plurality of financial transactions to determine estimated financial information of the borrower. The estimated financial information of the borrower may include an estimated cash flow stream of the borrower, an estimated income stream of the borrower, an estimated trade line of the borrower, or estimated assets of the borrower. The method may also include using the estimated financial information of the borrower to create an evaluation of the borrower's creditworthiness and providing the evaluation of the borrower's creditworthiness to a recipient that is considering whether to extend a loan to the borrower.

Abstract: A method for providing an accurate evaluation of a borrower's creditworthiness includes using a network-connected aggregation server to aggregate records of a plurality of financial transactions from one or more network-connected financial institution servers, wherein each record of a financial transaction comprises a unique identifier associated with its transaction and using the records of the plurality of financial transactions to determine estimated financial information of the borrower. The estimated financial information of the borrower may include an estimated cash flow stream of the borrower, an estimated income stream of the borrower, an estimated trade line of the borrower, or estimated assets of the borrower. The method may also include using the estimated financial information of the borrower to create an evaluation of the borrower's creditworthiness and providing the evaluation of the borrower's creditworthiness to a recipient that is considering whether to extend a loan to the borrower.