Abstract: A method may include receiving, from a computing device associated with a first user, an electronic request to delegate an electronic access right of an account of a user profile of the first user to a second user, the electronic request including an identifier of the second user; querying, using a processing unit, a database using the identifier of the second user; determining, using the processing unit, that the identifier of the second user is not present in the database based on a result of the querying; and as a result of the determining: generating, using the processing unit, a limited purpose user profile in the database for the second user; and establishing a digital link, using the processing unit, between the limited purpose user profile and the account of the first user in the database, the digital link identifying the electronic access right from the electronic request.

Abstract: Systems and techniques for automated generation of Java unit tests, in the context of testing a code base for a financial transaction software application, are described. An example method for automated generation of Java unit tests includes: identifying default values used in Java source code of a financial transaction software application that is programmed and capable to perform batch processing of a plurality of financial transactions; identifying classes in the Java source code that are invoked by the financial transaction software application, as invoked during the batch processing; generating mock classes for the identified classes that are invoked; creating unit tests to perform unit testing of the identified classes that are invoked, the unit tests configured to invoke the mock classes and use the default values for unit testing of the identified classes; and outputting the unit tests (and optionally, executing the unit tests).

Abstract: A payer computing system includes a processing resource, a memory resource, and computer-executable instructions stored thereon and embodied in a customer-side application programming interface (API). The instructions, when executed by the processing resource, cause the payer computing system to receive an electronic payment request and, in response, generate a request (e.g., a first API message) to access a biller computing system using a previously generated payer electronic token. The request is transmitted to the biller computing system. The payer computing system receives (e.g., via a second API message) payment information provided by the biller computing system in response to the request to access. Based on payment information, the payer computing system generates a payment transaction and causes (e.g., via a third API message) the payment transaction to be initiated.

Abstract: Embodiments include a provider computing system associated with a provider including a processing circuit configured to present, by a graphical user interface while a bill pay application is in an unlaunched state, a notification including a summary of a bill, and automatically launch the bill pay application in response to the customer selecting the summary. The processing circuit further configured to receive, via the bill pay application, a request to pay an amount of funds to a biller, generate a payment request, provide at least one post to a funds account circuit based on the payment request, and generate and provide a payment data object to a biller computing system.

Abstract: Various examples are directed to systems, methods, and computer programs for detecting fraudulent activity and/or fraudulent actors in transaction requests associated with pay groups in a financial institution. For example, a financial server receives a transaction authorization request related to a pay group on an account of a user. The financial server monitors events associated with at least one payee of the pay group and identifies a fraud indication among a first event of the events associated with the at least one payee of the pay group. The financial server blocks the transaction authorization request related to the pay group, including triggering, by the fraud indication, stopping multiple payments to multiple payees of the pay group.

Abstract: Systems and techniques may generally be used with a stateless experience application programming interface (API) for bill pay. An example technique may include receiving a first stateless experience application programming interface (API) request including bill payment information, receiving an indication from an authentication server that authentication of a user device failed, and sending, in response to receiving the indication, a reject transaction object to a storage device. The example technique may include receiving a second stateless experience API request including patched bill payment information after side channel authentication, and validating the user device by querying the storage device to determine whether the reject transaction object is present. The example technique may include sending an indication of authorized payment to a bill pay service based on validation of the user device.

Abstract: Embodiments include a provider computing system associated with a provider including at least one processing circuit configured to present, by a graphical user interface while a bill pay application is in an unlaunched state, a notification including a plurality of summaries of at least one bill, automatically launch the bill pay application in response to the customer selecting a summary of the plurality of summaries of at least one bill, and automatically navigate to a sub-screen presenting the selected summary. The least one processing circuit further configured to receive, via the bill pay application, a request to pay an amount of funds to a biller, generate a payment request, provide at least one post to a funds account circuit based on the payment request, and generate and provide a payment data object to a biller computing system.

Abstract: A biller processor computing system is associated with a biller. The biller processor computing system includes a processing resource, a memory resource, and computer-executable instructions stored thereon and embodied in a biller processor application programming interface (API) engine. The instructions, when executed by the processing resource, cause the biller processor computing system to extract a payer identifier from an electronic bill (e.g., an electronic bill received from the biller). Based at least on the payer identifier, a corresponding electronic token is retrieved from data storage media. The electronic token relates to payer authentication information for a biller computing system, which is communicatively coupled to the biller processor computing system. The electronic token is included in the electronic bill, and the electronic bill is transmitted to a payer computing system.

Abstract: A computer-implemented method includes receiving an electronic enrollment request including identification information associated with a receiving financial institution holding a receiving financial account for a biller. The method includes displaying, on a user interface of a user computing device, an interactive control configured to collect user authentication data for the biller. The user holds an account with the biller. In response to receiving authentication data at the user computing device, the method includes transmitting the authentication data to a remote computing system associated with the biller, causing the remote computing system associated with the biller to generate an authentication token after validating the authentication data, generating a biller enrollment record, the biller enrolment record including the authentication token, and saving the authentication token relationally to information regarding a user and relationally to information regarding the biller.

Abstract: A method for coordinating billing requests and payments across different financial institutions includes receiving an electronic enrollment request by a biller exchange computing system from a customer computing device; displaying an interactive control on a user interface of the customer computing device configured to collect customer authentication data for the biller; transmitting the customer authentication data to a remote computing system associated with the biller; causing the remote computing system to generate a customer-biller account authentication token that authorizes the biller exchange computing system to perform financial transactions with the biller on behalf of the customer; and authenticating, by the biller exchange computing system, a transaction request received from the customer computing device for a transaction between the customer and the biller based on the customer-biller account authentication token.

Abstract: Systems and methods for preparing payment requests via cached payee information databases are described. The cached payee database system allows customers to search locally stored payee databases on their mobile devices for payee information. The cached version of the payee database is updated with updated payee information. The cached database system can perform payee searches on a character-by-character basis in real time with minimal delays between searches.

Abstract: A computing device comprises a processing resource, a memory resource, and computer-executable instructions stored thereon and embodied in a biller exchange bill pay application, where the instructions cause the computing device to receive a data set comprising a plurality of billers from a biller exchange computing system, receive an authentication token from the biller exchange computing system, query a computing device property of the computing system, render an optimized version of the biller exchange bill pay application, display a user-interactive page comprising at least one user-interactive control where the at least one user-interactive control comprises at least one property dynamically populated based on the data set comprising the plurality of biller, and perform computing operations specified by the at least one property of the at least one user-interactive control using the authentication token and responsive to detecting a user interaction with the at least one user-interactive control.

Abstract: A computing device includes a processing resource, a memory resource, and computer-executable instructions stored thereon and embodied in a biller exchange bill pay application. The instructions, when executed by the processing resource, cause the computing device to receive, from a remote computing system, a data set comprising a plurality of billers. Each of the plurality of billers is subscribed to a biller exchange structured to allow each of the plurality of billers to deliver and receive payment on customer bills via a biller exchange computing system. A user-interactive page comprising at least one user-interactive control is generated and displayed on the computing device. The user-interactive control includes at least one property dynamically populated based on the data set comprising the plurality of billers (such as, for example, a property binding the user-interactive control to the data set).

Abstract: Systems and methods for preparing payment requests via cached payee information databases are described. The cached payee database system allows customers of a financial institution to search locally stored payee databases on their mobile devices for payee information. The cache version of the payee database is periodically updated with new and corrected payee information. The cached database system can perform payee searches on a character-by-character basis in real time with minimal delays between searches.

Abstract: A provider computing system includes a bill pay application circuit configured to receive a request from a user to pay an amount of funds to a biller, determine a customer funds account number for the user, determine a biller funds account number for the biller, and generate a payment request. The provider computing system includes a transaction management system configured to receive the payment request from the bill pay circuit and provide a first post and a second post to a funds account circuit and generate a payment notification. The provider computing system includes a biller posting services circuit configured to receive the payment notification and determine a corresponding customer bill account number. The biller posting services circuit is configured to generate a data object that includes the payment notification and the customer bill account number and cause the data object to be provided to a biller computing system.

Abstract: Systems and methods for processing payment requests via a series of matching operations are described. Rules that compensate for incomplete or inaccurate information are applied to customer requests and stored merchant information to create identifiers, or “tokens.” Tokens can be searched for, compared, and matched with confirmed merchant information, allowing for the identification of merchants known to financial institutions despite erroneous or missing information in the customer request.

Abstract: Systems and methods for preparing payment requests via cached payee information databases are described. The cached payee database system allows customers of a financial institution to search locally stored payee databases on their mobile devices for payee information. The cache version of the payee database is periodically updated with new and corrected payee information. The cached database system can perform payee searches on a character-by-character basis in real time with minimal delays between searches.