Abstract: A server includes an identity certainty model, which has permutation ensembled weights. The server receives a plurality of data access consent receipts from an external consent repository. Based on the data access consent receipts, the server retrieves a plurality of data types from one or more data providers. The server executes the identity certainty model on the data types. The server performs an ID resolution operation on the data types. Using data outputs produced by the ID resolution operation, the server calculates metrics from the ID resolution operation. A weighting of the data outputs produced by the metrics calculations is performed using the permutation ensembled weights. An identity protection score and a risk score are determined based on the weighted data outputs. An optimization operation is performed on the identity protection score and the risk score to determine an identity certainty score.

Abstract: A system for payment routing according to a likelihood of settlement. The system includes processors and/or transceivers programmed to receive a payment transaction message relating to a putative payment transaction. The payment transaction message contains putative payment transaction data including a customer identification (ID) for an account and a transaction amount. The system generates a scaled score representing the likelihood of settlement of the putative payment transaction on at least one date for each of a plurality of potential payment rails. Based at least in part on the at least one scaled score for each of the plurality of potential payment rails, the system selects a payment rail from the plurality of payment rails. The system initiates, via the selected payment rail, a payment transaction corresponding to the putative payment transaction.

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 server includes a consent repository and a consent management interface. The consent repository is configured to store data and one or more existing consent receipts. A method performed by the server includes receiving a customer ID that corresponds to a customer. The customer ID is matched to a universal ID stored on the server. Financial account data associated with a financial account of the customer is retrieved from a financial institution associated with the customer. Furthermore, a consent request data submission is received from an external computing device. The consent request data submission includes one or more data access consents. In addition, a consent request is transmitted to the consent management interface. The consent request includes the one or more data access consents. Additionally, the consent request is digitally signed by the server and stored in the consent repository as a new consent receipt.

Abstract: A server includes an identity certainty model, which has permutation ensembled weights. The server receives a plurality of data access consent receipts from an external consent repository. Based on the data access consent receipts, the server retrieves a plurality of data types from one or more data providers. The server executes the identity certainty model on the data types. The server performs an ID resolution operation on the data types. Using data outputs produced by the ID resolution operation, the server calculates metrics from the ID resolution operation. A weighting of the data outputs produced by the metrics calculations is performed using the permutation ensembled weights. An identity protection score and a risk score are determined based on the weighted data outputs. An optimization operation is performed on the identity protection score and the risk score to determine an identity certainty score.

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: Systems and methods are presented for quickly obtaining a mortgage payoff report.

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: Systems and methods provide improved control and sharing of financial account and financial transaction information from a plurality of disparate banks to a plurality of disparate customers using a plurality of disparate financial services apps on a plurality of disparate devices. A centralized hub is used to provide communication between disparate bank and customer systems and devices, and a hub provider ensures that disparate financial services apps comply with applicable requirements before being allowed to participate in the information sharing system. The systems and methods provide new mechanisms to share data and new sources by which to monetize and incentivize the sharing of 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: Systems and methods for decentralized distribution of verifiable information, such as financial information, without requiring resort to centralized information system at the time of a query or other request for information. A decentralized method includes the steps of creating a digital wallet, issuing/receiving an issued verifiable digital credential signed by a credential issuer acting as a trust anchor for a claim contained in the verifiable digital credential, storing the verifiable digital credential within the digital wallet, receiving a request for verified information, and providing the verifiable digital credential, including the claim, from the digital wallet. The verification of information may occur as a zero-knowledge proof such that a required standard is verified as satisfied without disclosing more information about a consumer or other user than is absolutely necessary.

Abstract: Systems and methods are presented for quickly obtaining a mortgage payoff report.

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: Systems and methods provide improved control and sharing of financial account and financial transaction information from a plurality of disparate banks to a plurality of disparate customers using a plurality of disparate financial services apps on a plurality of disparate devices. A centralized hub is used to provide communication between disparate bank and customer systems and devices, and a hub provider ensures that disparate financial services apps comply with applicable requirements before being allowed to participate in the information sharing system. The systems and methods provide new mechanisms to share data and new sources by which to monetize and incentivize the sharing of data.

Abstract: A method and apparatus are disclosed that provide for automated financial resource allocation and accountability among various groups of budgeted accounts, which are overlaid on at least one actual account. The method provides for the user to establish the accounts to be budgeted. The user then establishes a preset spending allocation amount for each account. Each time the user makes a spending allocation for that particular account, the account reflects the amount spent and notifies the user of the remaining amount allocated for that account during a given period. Thus, the user has a more accurate accounting of an established budget with respect to the established accounts, the resources allocated to each account, and the funds actually spent from each account.

Abstract: Embodiments of the invention provide for improved early detection of fraud through user-defined monitoring of financial account information and communication of alerts and notifications of user-defined individualized potentially-fraudulent account activity to users. Embodiments of the invention permit an account fraud detection service provider to provide account monitoring services. The user may use the fraud detection service provider to monitor any number and type of financial accounts, and the user may define account notification rules or filters under which the user may choose to be notified of certain potentially-fraudulent account activities. The user may receive alerts and/or notifications of the user-selected account activities using a method selected by the user, and may therefore maintain awareness of account activities and be alerted of any troubling activity in a manner most convenient and effective for the user's needs.

Abstract: A web-based financial software application that emulates short message service (SMS) based text payment. The software allows entry of financial transactions in detailed form to allow for normal budgeting, accounting, and tracking methods, then translates the pending transaction from the detailed form into a text-based format compatible with the SMS payment network and transmits and confirms the payment as would normally be done via a mobile device. Optionally, the transmission of the text-based payment may occur through a secure link to simplify the payment process. The software also permits entry of transactions in the SMS-compatible format and translates these entries into a detailed form to allow for budgeting, accounting, and tracking. The software then searches for corresponding payees, and allows the user to select from found matching payees to automatically fill in the remaining payee information, or permits the user to manually enter additional information.

Abstract: The present invention relates to a financial software module or process for tracking, allocating, documenting, and facilitating the reimbursement of expenses. The module or process includes budgeting, incurring, recording, and tracking expenses, allocating expenses for reimbursement, documenting expenses, and facilitating the reimbursement of the expenses. The initial receipt of expenses may occur automatically or manually, and expenses are tracked more easily as the expenses may be entered and tracking may begin as soon as the expenses are incurred. Documentation of received and tracked expenses may be provided and linked to the tracked expenses. Because expenses may be tracked and documented immediately upon incurring the expenses, the reimbursement of the expenses is facilitated and accelerated. The module or process works equally well with cash expenditures, and allows for the continual monitoring of budgets from multiple accounts to prevent unknowing overspending beyond budgeted amounts.

Abstract: The present invention relates to an automated, mobile method for remotely managing the resources of a job-based business through real-time allocation of the resources among a set of user-defined virtual spending accounts. The method enables the user to establish two layers of virtual accounts. One layer comprises job accounts that represent individual jobs or projects. The other layer comprises allocation accounts that represent categories of transactions such as “materials,” “labor,” “facilities,” and “insurance.” The user uses these virtual accounts in conjunction with actual accounts to track the user's transactions in real time. The user may also use the present invention to create and remotely transmit purchase orders and invoices, keep a record of employees, enter employee time sheets, process payroll, and allocate and reconcile incoming and outgoing transactions between the various virtual accounts.