Abstract: Account data (e.g., account balance, account identifiers, account holder information and transaction data) for accounts at a plurality of financial institutions are stored at one or more databases within an account database system. The account data may be accessed in response to various requests (asset search request, as a verification request and income verification request). Transaction data for an account (such as ACH transaction messages) may be used to identify or verify income to an account holder, based on deposit/credits to the account.

Abstract: Account data (e.g., balance information) for accounts at a plurality of financial institutions (or government agencies) is stored (and updated) in a central database system and accessed using a personal identifier, such as a social security number. Risk data may be generated for accounts based on the account data. The account data and risk data are accessed in response to either an account search request (e.g., from a government entity and relating to a benefits program or a subpoena) or an account verification request (e.g. from a mortgage company and relating to a mortgage application).

Abstract: An inbound call for a hearing impaired user may be routed to a server. The server may determine a destination for the call and obtain caller identifying information from the incoming call. A pop-up prompt may be displayed on a computing device of one or more recipients of the call. The pop-up prompt may comprise one or more input to allow the intended recipient(s) of the call to handle the incoming call by answering the call using a video relay service (VRS) agent, a text relay service agent (TRS), a messaging service, or the like. If a hearing impaired user answers the call, one of a plurality of in-house or remote VRS or TRS agents may be selected to provide relay services for the call. Outbound calls made by the hearing impaired user may be similarly assigned to one of a plurality of VRS or TRS agents.