Systems and methods to facilitate automated validation of anti-money laundering alerts are disclosed. Exemplary implementations may: obtain alert information indicating monetary transaction flow patterns suspected as money laundering; identify pattern types of the monetary transaction flow patterns; obtain source lists indicating sources of extra-transactional information related to the entities involved in the monetary transactions and significance of the sources; access the sources and obtain the extra-transactional information; evaluate the extra-transactional information included in the sources in accordance with indicated significance of the sources to validate or disprove the suspicions of the monetary transaction flow patterns; and/or perform other operations.

A method of determining whether a user has a self-control problem. A computing system receives, from a plurality of financial institutions associated with a target user, a plurality of transactions associated with the target user. The computing system groups the plurality of transactions into a category or subcategory based on transaction data associated with each respective transaction. The computing system determines, based on the plurality of transactions, that the target user has a self-control problem. The computing system, responsive to determining that the target user has the self-control problem, generates an alert or recommendation to the target user. The alert or recommendation notifies the target user of the self-control problem.

Artificial intelligence techniques for scalably detecting anomalies within payroll data for a plurality of payees are disclosed. The payroll data may comprise a plurality of payroll records that are associated with a plurality of payees, and the inventive computer system can detect anomalies via steps such as (1) processing a history of the payroll records for a payee to generate a payee-specific pay distribution model, (2) comparing the payroll record for a pay period for the payee with the payee-specific pay distribution model, (3) determining whether a payroll anomaly for the payee exists within the payroll record for the pay period for the payee based on the comparing step, (4) in response to a determination that a payroll anomaly for the payee exists, flagging the payroll anomaly for further review or analysis, and (5) performing the processing, comparing, determining, and flagging steps for a plurality of payees.

According to one aspect of the invention, a dynamic, computer enabled, transformative process includes a plurality of steps, wherein raw data is first detected, flattened, transformed, and mapped to a new set of headers and/or reordered as needed to facilitate a wide variety of survey export formats uploadable to products useful by clients using associated software. According to other aspects, the file detection process automates a historic process of opening files and looking at certain attributes of the file format to confirm that the file is a certain survey from a publisher and handled appropriately after the metadata information is detected from the raw file. File formats are detected using a combination of file attributes and pattern recognition; for example, filenames, the number of sheets in a workbook, and the number of words in workbook might be appropriate file attributes in a particular application.

A computer based method generating data for a dynamic credit instrument is disclosed. In one embodiment, the method includes determining, with a processing element associated with one of an employment data server or an account server, employment data based to the work of a user. The processing element determines an earned income based on the employment data. The processing element determines a draw limit of an account that receives the earned income. The draw limit is determined during an interval before a payment to the account for the earned income. The method includes dynamically determining, based on a difference between the draw limit and an outstanding draw balance from the account, an amount of funds available and generating, the dynamic credit instrument. The dynamic credit instrument includes data used to regulate access thereto. The method provides, via a user device, withdrawal of the funds up to the draw limit.

Systems and methods for improved payroll management in a freelance driven industry is provided. Payroll documents may be uploaded through a web portal to the payroll management system as a digital image. The document is then split into individual pages, each page representing a “form”, and subjected to optical character recognition (OCR) to generate a machine readable document, which are then matched to one of many possible form types. This matching may rely upon keyword disambiguation and/or machine learning classifications. Data is extracted from the form using a coordinate identification system. The forms may be reconstituted as standardized forms. These standardized forms are then stitched together into packets by user, by employing logic. The hourly gross compensation for the user is calculated, responsive to constraints collected from many sources (including contractual constraints, statutory constraints, and union imposed constraints).

As described herein, a system, method, and computer program are provided for financial information enrichment. Individual financial transactions of consumers are identified, each individual financial transaction enhanced with at least one transaction-based categorization. Series' of the financial transactions are identified, each series' enhanced with at least one series-based categorization. The individual financial transactions are processed utilizing a first sequence of functions to enhance one or more of the individual financial transactions with at least one additional transaction-based categorization. The series' of financial transactions are processed utilizing a second sequence of functions to enhance one or more of the series' of financial transactions with at least one additional series-based categorization. Sources of income are determined for the consumers, using the individual financial transactions enhanced with the additional transaction-based categorizations and the series' of financial transactions enhanced with the additional series-based categorizations.

Systems and methods of providing access to earned but unpaid income are provided. An available balance of earned but unpaid income is computed. A login request and device information may be received from a remote device and a login procedure is invoked based on an assessed security level of the login device type. On authenticating the remote device successfully, the available balance of earned but unpaid income is recomputed. A list of financial services is displayed to the user, and a request may be received from the remote device for access to earned but unpaid income specifying cash access, an amount and a deduction schedule. Terms and conditions of a transaction, including a fee are displayed and a signal indicating acceptance is received. The request is fulfilled, cash dispensed, and a deduction file associated with an employer of the user is updated.

A system and method are provided for validating data. The method is executed by a device having a data interface coupled to a processor and includes obtaining a validation set comprising at least one validation case, each validation case comprising at least one test condition. The method also includes obtaining, via the data interface, at least one data set to be validated using the validation set. The method also includes applying the validation set to the at least one data set to validate the data in the data set by, for each record in the at least one data set, validating a value in the record according to the at least one test condition. The method also includes outputting a validation result for each record.

A system is provided that includes a server computer coupled to a plurality of client devices over a communication network, the server computer configured at least to: receive a plurality of orders for a service from the plurality of client devices, the plurality of orders include an order to purchase the service having a price and a size, and an order so sell the service having a price and a size, wherein the size of the purchase order and the sell order is stated in time units and wherein the price of the purchase order and the sell order is stated in time units; maintain a dynamic trade book comprising the plurality of orders sorted based on best price; match purchase orders and the sell orders; automatically execute matching purchase orders and the sell orders; and update account records to reflect executed purchase orders and the sell orders.