United Services Automobile Association (usaa)

Jason Paul Hendry

Nathan Mahoney

Marco Aldo Jimenez

David Perry

Randall Martin Brandt

Rodney Kalich

Debra Randall Casillas

Larry Wayne Clark

Hieu Nguyen

Miguel Solís, Jr

Alejandro Vera

Mark Steen

Gunjan Chandraprakash Vijayvergia

Richard R Rohrbough

Luis Daniel Silva

Daniel Thane Davidson

Zachary Curtis Wade

Patrick Joseph O'Neal

Justin Armstrong Leonard

David Hugh Doyal

Steve Rubalcaba

Brian Michael Beard

Jeffrey Andrew Dixon

Paul Edward Ortiz

Josh Matthew Williams

David Thomas Biasiolli

Techniques are described for client registration for authorizing an aggregator service to access data on behalf of an application, through self-registration of an application client identifier and issuance of authorization token(s) based on the application client identifier. Implementations provide a technique for dynamic client registration that avoids the need for manual vetting and manual generation of the client credential grant. Additionally, the implementations described herein enforce domain values around the scope and/or purpose of the client grant. This allows for support of application providers through a single point of registration that supports multi-layer and channel. This also allows for support of a scalable authorization solution for any suitable number of clients. The dynamic client registration process adds an additional layer of security through the OAuth client grant and mutual authentication.

Client registration for authorization

A system and method of providing real time account information for financial accounts is disclosed. The system includes an event based architecture including an event stream. Financial transaction processing systems publish transaction events to the event stream. A transaction service listening to the event stream detects new transaction events. The transaction service takes action to enrich transaction data. A middleware system reconciles existing transactions and persists transaction records in long term storage. The system can retrieve real time enriched transaction data to calculate account summary information, including current account balances and projected future account balances. The system can also be used to provide real time notifications to customers using enriched transaction data.

System and method for providing real time financial account information using event driven architecture

The present embodiments relate to establishing secure data communication using an Elliptic-curve Diffie-Hellman ephemeral (ECDHE) key agreement procedure. Devices in a network environment can utilize a key agreement procedure to establish secure communication between multiple application layers in a micro service architecture. Particularly, a tunnel can be established between a mobile device and an encryption service by transmitting key information between the mobile device and the encryption service. This can allow for encryption keys to only be accurately generated by the mobile device and encryption service. Accordingly, intermediary nodes may be unable to decrypt the data, allowing for safe and secure transport of sensitive data.

Secure data communication using elliptic-curve diffie-hellman (ECDHE) key agreement

Methods, systems, and apparatus, including computer programs encoded on computer storage media for an automated financial management system. One of the methods includes receiving data indicating a list of historic transactions of a user from a plurality of financial institutions. The method includes identifying at least one predicted unexpected expense based on providing at least some of the data to a trained machine-learning model, the trained machine-learning model trained using historic transaction data of a plurality of other users. The method includes determining a plan to account for the unexpected expense. The method also includes automatically transferring an amount based on the plan.

Financial autopilot

A system and method of providing real time account information for financial accounts is disclosed. The system includes an event based architecture including an event stream. Financial transaction processing systems publish transaction events to the event stream. A transaction service listening to the event stream detects new transaction events. The transaction service takes action to enrich transaction data. A middleware system reconciles existing transactions and persists transaction records in long term storage. Prior to closing financial accounts, the system can retrieve a list of all scheduled and pending transactions and request that these transactions are canceled before closing the account.

System and method for closing financial accounts using event driven architecture

A system and method of providing real time account information for financial accounts is disclosed. The system includes an event based architecture including an event stream. Financial transaction processing systems publish transaction events to the event stream. A transaction service listening to the event stream detects new transaction events. The transaction service takes action to enrich transaction data. A middleware system reconciles existing transactions and persists transaction records in long term storage. The system can detect fraudulent transactions before the transactions have been posted to the financial account. The system can also be used to provide real time notifications to customers about potential fraudulent activity.

System and method for fraud detection using event driven architecture

Secure data communication using Elliptic-curve Diffie-Hellman (ECDHE) key agreement

Techniques are described for managing data transfer between an enterprise system and a third-party provider system, through a batch interface of the third-party provider system. A batch of transaction data is uploaded through the batch interface for enrichment, and enrichment data is received in response. The enrichment data provides additional context regarding each of the transactions specified in the uploaded batch. The enrichment data can be sent back to the presented to user(s) through various tools. Prior to uploading, the batch can be filtered to include those records corresponding to users who have opted into a service. Filtering can also exclude records for which enrichment data has already been provided through a real-time process. Reconciliation can be performed to ensure integrity of the communicated data.

Transaction data transfer management

Growing community of inventors

Selma, TX, United States of America

Jason Paul Hendry