Abstract: Methods for authenticating, verifying and digitally onboarding prospective account holders using an artificially-intelligent, dynamic, rules-based system are provided. Methods may include receiving digital requests for digital account onboarding. Methods include processing the digital requests at a rules engine. Methods may include generating an authentication and verification score for each digital request. Methods may include initiating one or more authentication and verification systems to authenticate and/or verify a prospective account holder associated with each digital request. Methods may include identifying an authentication and verification score for each digital request based the results of the authentication and verification systems. Methods may include creating accounts for account holders that are authenticatable and verifiable by the authentication and verification systems.

Abstract: A system provides for automated image authentication and external database verification. In particular, the system may perform automatic authentication of an image by extracting data and/or metadata from the image for subsequent analysis. For instance, the extracted data and/or metadata may be compared with historical data to drive authorization processes (e.g., past instances of unauthorized activity). In some embodiments, the system may further use external databases which may be hosted by a trusted third party to perform additional authentication steps and/or verification. In this way, the system may provide a reliable and efficient way to perform authentications.

Abstract: A system provides for automated image authentication and external database verification. In particular, the system may perform automatic authentication of an image by extracting data and/or metadata from the image for subsequent analysis. For instance, the extracted data and/or metadata may be compared with historical data to drive authorization processes (e.g., past instances of unauthorized activity). In some embodiments, the system may further use external databases which may be hosted by a trusted third party to perform additional authentication steps and/or verification. In this way, the system may provide a reliable and efficient way to perform authentications.

Abstract: Systems, methods, and computer program products are provided for optimizing amounts collected in an offset action where a creditor attaches funds from a debtor's deposits account to satisfy overdue debt payments. In operation, embodiments of the present invention leverage a deposits account's transaction history to detect a deposit pattern for the account and, based on the detected pattern, predict the date of the next large deposit to the attachable account. An offset associate, using the present invention, can then schedule the offset action to occur on the expected date of the next large deposit.

Abstract: Systems, methods, and computer program products are provided for optimizing amounts collected in an offset action where a creditor garnishes funds from a debtor's deposits account to satisfy delinquent debt payments. In operation, embodiments of the present invention leverage a deposits account's transaction history to detect a deposit pattern for the account and, based on the detected pattern, predict the date of the next large deposit to the garnishable account. An offset associate, using the present invention, can then schedule the offset action to occur on the expected date of the next large deposit.

Abstract: Systems, methods, and computer program products are provided for optimizing amounts collected in an offset action where a creditor garnishes funds from a debtor's deposits account to satisfy delinquent debt payments. In operation, embodiments of the present invention leverage a deposits account's transaction history to detect a deposit pattern for the account and, based on the detected pattern, predict the date of the next large deposit to the garnishable account. An offset associate, using the present invention, can then schedule the offset action to occur on the expected date of the next large deposit.

Abstract: Systems, methods, and computer program products are provided for optimizing amounts collected in an offset action where a creditor garnishes funds from a debtor's deposits account to satisfy delinquent debt payments. In operation, embodiments of the present invention leverage a deposits account's transaction history to detect a deposit pattern for the account and, based on the detected pattern, predict the date of the next large deposit to the garnishable account. An offset associate, using the present invention, can then schedule the offset action to occur on the expected date of the next large deposit.