Abstract: Apparatus, systems, and methods are disclosed that operate to receiving an authentication request at a server associated with an authenticating entity from a requesting party responsive to a request being provided to the requesting party by a client terminal associated with an unauthenticated individual purporting to be an individual account owner previously authenticated with the authenticating entity. A token, from the client terminal associated with the unauthenticated individual is received, and the token includes information associated with the unauthenticated individual and a user permission authorizing the authenticating entity to share a selected portion of the information with a plurality of selected requesting parties. The server associated with the authenticating entity authenticates the unauthenticated individual as the individual account owner based on, inter alia, matching the token to a pre-registered identity uniquely associated with the individual account owner.

Abstract: The present disclosure generally relates to systems and methods for user authentication and data management. Information involving a user's interactions with an online platform is stored on a user device that is used to access the platform. Such information may include user authentication information, personal information, and an interaction history of events, such as logins, purchases, and checkouts. When providing information to the online platform, the user is given the option of what information to provide and, in some cases, the user may opt to provide tokenized information in lieu of sensitive information that the user would prefer not to share. Also, the user may selectively provide information about his or her interaction history, thereby permitting the online platform to establish a trust level of the user using information from the user device.

Abstract: Apparatus, systems, and methods are disclosed that operate to receiving an authentication request at a server associated with an authenticating entity from a requesting party responsive to a request being provided to the requesting party by a client terminal associated with an unauthenticated individual purporting to be an individual account owner previously authenticated with the authenticating entity. A token, from the client terminal associated with the unauthenticated individual is received, and the token includes information associated with the unauthenticated individual and a user permission authorizing the authenticating entity to share a selected portion of the information with a plurality of selected requesting parties. The server associated with the authenticating entity authenticates the unauthenticated individual as the individual account owner based on, inter alia, matching the token to a pre-registered identity uniquely associated with the individual account owner.

Abstract: Apparatus, systems, and methods are disclosed that operate to receiving an authentication request at a server associated with an authenticating entity from a requesting party responsive to a request being provided to the requesting party by a client terminal associated with an unauthenticated individual purporting to be an individual account owner previously authenticated with the authenticating entity. A token from the client terminal associated with the unauthenticated individual is received, and the token includes information associated with the unauthenticated individual and a user permission authorizing the authenticating entity to share a selected portion of the information with a plurality of selected requesting parties. The server associated with the authenticating entity authenticates the unauthenticated individual as the individual account owner based on, inter alia, matching the token to a pre-registered identity uniquely associated with the individual account owner.

Abstract: An automatic teller machine (ATM) can operate to send an electronic push request, in various instances, using only an email address to process the push request from a user. The ATM may be configured with customized display software, for example, that allows an end user to operate a touchscreen (or other input mechanism) to enter email addresses for one or more electronic transfer destinations. In various instances, the ATM may also communicate with a back-end server to perform queries on an entered email address and to map the email address to a pre-existing account or a holding account. Thus, a user can effectuate electronic transfers without needing to know, for example, a routing number associated with a destination for the transfer, representing an innovative improvement over previous electronic transfer technology.

Abstract: Apparatus, systems, and methods are disclosed that operate to receiving an authentication request at a server associated with an authenticating entity from a requesting party responsive to a request being provided to the requesting party by a client terminal associated with an unauthenticated individual purporting to be an individual account owner previously authenticated with the authenticating entity. A token from the client terminal associated with the unauthenticated individual is received, and the token includes information associated with the unauthenticated individual and a user permission authorizing the authenticating entity to share a selected portion of the information with a plurality of selected requesting parties. The server associated with the authenticating entity authenticates the unauthenticated individual as the individual account owner based on, inter alia, matching the token to a pre-registered identity uniquely associated with the individual account owner.

Abstract: An automatic teller machine (ATM) can operate to send an electronic push request, in various instances, using only an email address to process the push request from a user. The ATM may be configured with customized display software, for example, that allows an end user to operate a touchscreen (or other input mechanism) to enter email addresses for one or more electronic transfer destinations. In various instances, the ATM may also communicate with a back-end server to perform queries on an entered email address and to map the email address to a pre-existing account or a holding account. Thus, a user can effectuate electronic transfers without needing to know, for example, a routing number associated with a destination for the transfer, representing an innovative improvement over previous electronic transfer technology.

Abstract: Apparatus, systems, and methods are disclosed that operate to receiving an authentication request at a server associated with an authenticating entity from a requesting party responsive to a request being provided to the requesting party by a client terminal associated with an unauthenticated individual purporting to be an individual account owner previously authenticated with the authenticating entity. A token from the client terminal associated with the unauthenticated individual is received, and the token includes information associated with the unauthenticated individual and a user permission authorizing the authenticating entity to share a selected portion of the information with a plurality of selected requesting parties. The server associated with the authenticating entity authenticates the unauthenticated individual as the individual account owner based on, inter alia, matching the token to a pre-registered identity uniquely associated with the individual account owner.

Abstract: Apparatus, systems, and methods are disclosed that operate to register one time, at a server associated with an authenticating entity, information comprising an identity uniquely associated with an individual account owner and an account held by the authenticating entity. Further activity includes receiving an authentication request at the server from a requesting party to authenticate an unauthenticated individual purporting to be the individual account owner, and authenticating, by the server, the unauthenticated individual as the individual account owner by matching a token presented by the unauthenticated individual, to the identity. Responsive solely to the authenticating, only a selected portion of the information previously authorized by the individual account owner is provided for sharing with the plurality of selected requesting parties. Additional apparatus, systems, and methods are disclosed.

Abstract: Apparatus, systems, and methods are disclosed that operate to register one time, at a server associated with an authenticating entity, information comprising an identity uniquely associated with an individual account owner and an account held by the authenticating entity. Further activity includes receiving an authentication request at the server from a requesting party to authenticate an unauthenticated individual purporting to be the individual account owner, and authenticating, by the server, the unauthenticated individual as the individual account owner by matching a token presented by the unauthenticated individual, to the identity. Responsive solely to the authenticating, only a selected portion of the information previously authorized by the individual account owner is provided for sharing with the plurality of selected requesting parties. Additional apparatus, systems, and methods are disclosed.

Abstract: Apparatus, systems, and methods are disclosed that operate to register one time, at a server associated with an authenticating entity, information comprising an identity uniquely associated with an individual account owner and an account held by the authenticating entity. Further activity includes receiving an authentication request at the server from a requesting party to authenticate an unauthenticated individual purporting to be the individual account owner, and authenticating, by the server, the unauthenticated individual as the individual account owner by matching a token presented by the unauthenticated individual, to the identity. Responsive solely to the authenticating, only a selected portion of the information previously authorized by the individual account owner is provided for sharing with the plurality of selected requesting parties. Additional apparatus, systems, and methods are disclosed.

Abstract: Apparatus, systems, and methods are disclosed that operate to register one time, at a financial entity, information comprising an identity uniquely associated with an individual having a financial account held by the financial entity. Additional actions include receiving a request at the financial entity from a requesting party to authenticate a customer purporting to be the individual, authenticating, by the financial entity, the customer as the individual by matching a token presented by the customer to the identity uniquely associated with the individual, and providing to the requesting party a previously-authorized portion of a profile associated with the individual. Additional apparatus, systems, and methods are disclosed.

Abstract: Apparatus, systems, and methods are disclosed that operate to register one time, at a financial entity, information comprising an identity uniquely associated with an individual having a financial account held by the financial entity. Additional actions include receiving a request at the financial entity from a requesting party to authenticate a customer purporting to be the individual, authenticating, by the financial entity, the customer as the individual by matching a token presented by the customer to the identity uniquely associated with the individual, and providing to the requesting party a previously-authorized portion of a profile associated with the individual. Additional apparatus, systems, and methods are disclosed.

Abstract: Apparatus, systems, and methods may operate to present, via a networked client coupled to a first financial entity, a graphical user interface including an account associated with a first party, an amount to be paid, and an email address associated with a second party. Further activities may include receiving an indication from the graphical user interface to transfer, via a selected payment processor, the amount to be paid from the account associated with the first party and held by the first financial entity to an account linked to the email address. The amount to be paid may then be pushed from the account held by the first financial entity directly to the selected payment processor. Additional apparatus, systems, and methods are disclosed.