Finicity Corporation

3com Corporation

In2m Corporation

Nicholas A Thomas

Steven B Smith

Warren M Rosner

Charles Matthew Whitmer

Jessie A Morris

Nicholas Bryan Baguley

John M Davies

David Kammer

David Moore

Steve Parker

Michael Lunsford

Justin A Harnish

A server includes a consent repository and a consent management interface. The consent repository is configured to store data and one or more existing consent receipts. A method performed by the server includes receiving a customer ID that corresponds to a customer. The customer ID is matched to a universal ID stored on the server. Financial account data associated with a financial account of the customer is retrieved from a financial institution associated with the customer. Furthermore, a consent request data submission is received from an external computing device. The consent request data submission includes one or more data access consents. In addition, a consent request is transmitted to the consent management interface. The consent request includes the one or more data access consents. Additionally, the consent request is digitally signed by the server and stored in the consent repository as a new consent receipt.

Trust root system for verification of user consents

A server includes an identity certainty model, which has permutation ensembled weights. The server receives a plurality of data access consent receipts from an external consent repository. Based on the data access consent receipts, the server retrieves a plurality of data types from one or more data providers. The server executes the identity certainty model on the data types. The server performs an ID resolution operation on the data types. Using data outputs produced by the ID resolution operation, the server calculates metrics from the ID resolution operation. A weighting of the data outputs produced by the metrics calculations is performed using the permutation ensembled weights. An identity protection score and a risk score are determined based on the weighted data outputs. An optimization operation is performed on the identity protection score and the risk score to determine an identity certainty score.

Consented identity as a service

Financial events can be provided using a push framework. Using the push framework, an aggregation provider can subscribe to receive a customer's financial data without ever requiring access to the customer's login credentials. Once an aggregation provider has subscribed to receive a customer's financial data, the financial institution's system can push financial events to the subscribed aggregation provider describing changes that have occurred to the customer's financial data.

Providing financial events using a push framework

Systems and methods provide improved control and sharing of financial account and financial transaction information from a plurality of disparate banks to a plurality of disparate customers using a plurality of disparate financial services apps on a plurality of disparate devices. A centralized hub is used to provide communication between disparate bank and customer systems and devices, and a hub provider ensures that disparate financial services apps comply with applicable requirements before being allowed to participate in the information sharing system. The systems and methods provide new mechanisms to share data and new sources by which to monetize and incentivize the sharing of data.

Systems and methods for managing financial transaction information

A method and apparatus are disclosed that provide for automated financial resource allocation and accountability among various groups of budgeted accounts, which are overlaid on at least one actual account. The method provides for the user to establish the accounts to be budgeted. The user then establishes a preset spending allocation amount for each account. Each time the user makes a spending allocation for that particular account, the account reflects the amount spent and notifies the user of the remaining amount allocated for that account during a given period. Thus, the user has a more accurate accounting of an established budget with respect to the established accounts, the resources allocated to each account, and the funds actually spent from each account.

Method and system for managing spending through account allocation

The present invention relates to an automated, mobile method for remotely managing the resources of a job-based business through real-time allocation of the resources among a set of user-defined virtual spending accounts. The method enables the user to establish two layers of virtual accounts. One layer comprises job accounts that represent individual jobs or projects. The other layer comprises allocation accounts that represent categories of transactions such as 'materials,' 'labor,' &#x201c;facilities,&#x201d; and &#x201c;insurance.&#x201d; The user uses these virtual accounts in conjunction with actual accounts to track the user's transactions in real time. The user may also use the present invention to create and remotely transmit purchase orders and invoices, keep a record of employees, enter employee time sheets, process payroll, and allocate and reconcile incoming and outgoing transactions between the various virtual accounts.

Methods and systems for job-based accounting

A method and system for effecting a security web upon multiple devices. In one embodiment of the invention, multiple devices are enabled to respond as authorized members of a security web such that each device acts as a co-monitoring device within the web. Further, each device transmits an identifiable RF signal at regular time intervals and is enabled to search for the transmitted RF signal from every other device within the security web. Next the invention determines a non-authorized loss of proximity from the web of any of the devices of the web. Upon determining a non-authorized loss of proximity of any device, the invention provides for at least one of the devices of the web to initiate an event.

Method and system for effecting a security system upon multiple portable information devices

A method and apparatus for revising and minimizing renegotiations of a data transfer rate for wireless-capable modems transceiving data over a wireless communication channel via a wireless transceiver. When a wireless-capable modem presents a favorable signal-to-noise ratio resulting from a stationary or near stationary position, higher data transfer rates are employed for data exchange. When varying signal-to-noise ratios are detected designating mobility of the wireless-capable modem, then a reduced mobility data transfer rate is employed to provide a sustained data transfer rate for the duration of the mobility without oscillating between differing data transfer rates thereby incurring the significant renegotiation down-time due to fluctuating signal quality. The mobility detection and reduction in the data transfer rate to a more reliable level during mobility is performed automatically without user intervention.

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Orem, UT, United States of America

Nicholas A Thomas