MX TECHNOLOGIES, INC.

The disclosure extends to methods, systems, and computer program products for identifying transaction data from within aggregated data and suggesting additional services based on the transaction data. The disclosure also extends to methods, systems, and computer based products for discovering transaction attributes within a database of aggregated account data including, aggregating and matching financial account attributes between a plurality of accounts in order to provide additional services to account holders.

Apparatuses, systems, methods, and computer program products are disclosed for distributed and/or decentralized data aggregation. A method includes determining a user's electronic credentials for a plurality of third party service providers. A method includes accessing each of a plurality of third party service providers, from a hardware device associated with a user, using the user's electronic credentials, to download data associated with the user from the third party service providers. A method includes aggregating downloaded data from third party service providers and providing one or more of alerts and messages to the user on the hardware device in response to the aggregated downloaded data.

Apparatuses, methods, program products, and systems are disclosed for providing intuitively understandable visual representation of personal budgeting information. An apparatus includes a processor, a display device, and a memory that stores code executable by the processor to generate a graphical representation of a total budget for a user as a function of a total budget amount and a size of a viewing area of the display device, generate one or more graphical representations of individual budget items of the total budget as a function of budget amounts for each of the individual budget items and the size of the viewing area of the display device, and present the graphical representation of the total budget and the one or more graphical representations of the individual budget items together on the display device sized according to the size of the viewing area of the display device.

Apparatuses, systems, methods, and computer program products are presented for an aggregation platform portal. A hardware computing device is configured to aggregate a user's data from a first plurality of third-party service providers over a data network for the user to access through a second plurality of third-party service providers. A portal module is configured to monitor electronic credentials of a user used by a hardware computing device to download the user's data and to detect similar electronic credentials for the same third-party service provider from a first plurality being used for multiple third-party service providers from a second plurality. A graphical user interface is configured to display a listing of multiple third-party service providers with user interface elements allowing a user to revoke authorization of aggregation of data from one or more third-party service providers and/or to update electronic credentials for one or more of multiple third-party service providers.

Apparatuses, methods, systems, and program products are disclosed for secure data handling and storage. An apparatus includes a lock module that receives a request to decrypt encrypted data that is stored in a data repository, the encrypted data encrypted using a first encryption key, and unlocks an encryption engine in response to the request. An encryption engine may be unlocked using a master key that is generated based on combination of a plurality of keys held by a plurality of key holders. An apparatus includes a decryption module that decrypts encrypted data using an encryption engine. Encrypted data may be decrypted using a first encryption key. An apparatus includes an encryption module that re-encrypts decrypted data using an encryption engine. Decrypted data may be re-encrypted with a second encryption key that is different than a first encryption key and stored in a data repository.

Apparatuses, methods, computer program products, and systems are disclosed for multi-core account migration. A method includes authenticating a user into a first environment associated with a first core processing system with first electronic credentials for the user. A method includes displaying a user interface element to the user within the first environment. A method includes authenticating the user into a second core processing system in response to user input to the user interface element. A method includes migrating a first account for the user with the first core processing system to a different account for the user with the second core processing system in response to the user input to the user interface element.

Apparatuses, methods, computer program products, and systems are disclosed for risk assessment based data access. A method includes determining security risks for each of a plurality of executable applications accessing an application programming interface. A method includes monitoring changes in the security risks for each of the plurality of executable applications. A method includes dynamically adjusting a scope of permissions for the plurality of executable applications with regard to the application programming interface based on the monitored changes in the security risks.

Apparatuses, methods, computer program products, and systems are disclosed for multi-core account/transaction processing. A method includes authenticating a user with electronic credentials. A method includes querying a first core processing system to determine an identifier for a first account with the first core processing system. A method includes querying a second core processing system to determine a different identifier for a different account with the second core processing system. A method includes accessing the first account with the first core processing system using the first identifier for the user to receive data associated with the first account. A method includes accessing the different account with the second core processing system using the different identifier for the user to receive data associated with the different account. A method includes providing real-time access to both the data associated with the first account and with the different account within a single electronic interface.

Apparatuses, methods, systems, and program products are disclosed for optimizing aggregation routing over a network. An apparatus includes a processor and a memory that stores code executable by the processor. The code is executable by the processor to select a data aggregator server from a plurality of data aggregator servers to service a request for aggregated account data based on a plurality of factors associated with each of the plurality of data aggregator servers, format a request for the aggregated account data to be compatible with the selected data aggregator server, route the formatted request over the network to the selected data aggregator server, receive the requested aggregated account data over the network from the selected data aggregator server, populate a form for a personal financial manager (“PFM”) with the aggregated account data, output the populated form to the PFM, and present the aggregated account data to a user.