This disclosure describes, in part, techniques for generating predictive models based on past transaction data and/or future-event data to predict: (i) when an account of user is expected to fall below a minimum balance associated with that user, and/or (ii) when an account has surplus funds that may safely be moved to a higher-yield account for some amount of time. In response to determining a predicted time at which an account is expected to fall below the minimum balance, the techniques may generate an offer to extend capital to the user prior to the predicted time. In response to determining that a user has or will have surplus funds, the techniques may generate an offer to move some or all of these surplus funds into a separate account providing a higher yield than the primary account of the user.

This disclosure describes, in part, techniques for generating predictive models based on past transaction data and/or future-event data to predict: (i) when an account of user is expected to fall below a minimum balance associated with that user, and/or (ii) when an account has surplus funds that may safely be moved to a higher-yield account for some amount of time. In response to determining a predicted time at which an account is expected to fall below the minimum balance, the techniques may generate an offer to extend capital to the user prior to the predicted time. In response to determining that a user has or will have surplus funds, the techniques may generate an offer to move some or all of these surplus funds into a separate account providing a higher yield than the primary account of the user.

The systems and methods described herein relate to processing financial transactions using a computer network that stores a distributed ledger, and particularly, to updating the distributed ledger based on data messages received from validation servers that each store a portion of the ledger corresponding to a respective asset. The systems and methods described herein employ the distributed ledger to control visibility of transactions to the general marketplace, but still provide swift and assured completion of transactions and visibility and audit capability for regulators.

A computing device: obtains an electronic image of a receipt, the receipt containing numerical information with no predefined format; automatically captures the numerical information in the obtained electronic image; organizes the captured numerical information; enables editing of the captured numerical information; enables viewing of the captured numerical information in a desired format; and enables combining the captured numerical information in the obtained electronic image with other numerical information previously captured from electronic images of other receipts into a report having predetermined categories. The report summarizes expense information contained in the captured numerical information in the obtained electronic image with the other numerical information previously captured from the electronic images of the other receipts.

Embodiments of the present invention provide a system for facilitating reconciliation and correlation of work flows. The system is configured for identifying one or more applications associated with an operation, identifying relationships between each of the one or more applications, generating a matrix comprising the relationships between each of the one or more applications, receiving one or more entries from the one or more applications, storing the one or more entries in a ledger, and generating a single reconciliation file combining the one or more entries and the relationships.

This disclosure describes, in part, techniques for generating predictive models based on past transaction data and/or future-event data to predict: (i) when an account of user is expected to fall below a minimum balance associated with that user, and/or (ii) when an account has surplus funds that may safely be moved to a higher-yield account for some amount of time. In response to determining a predicted time at which an account is expected to fall below the minimum balance, the techniques may generate an offer to extend capital to the user prior to the predicted time. In response to determining that a user has or will have surplus funds, the techniques may generate an offer to move some or all of these surplus funds into a separate account providing a higher yield than the primary account of the user.

A transaction tracking system includes a display that permits viewing the relationship between related transactions. In the display, individual transactions are depicted as transaction icons sorted in time order horizontal rows according to order ID.

Various systems, mediums, and methods may be implemented to provide data security by detecting microcontrollers in physical wallets. One example method may include detecting that a physical wallet comprises a plurality of physical cards based at least on a communication with a microcontroller of the physical wallet; comparing the plurality of physical cards with a plurality of digital cards of a digital wallet that corresponds the physical wallet; detecting at least one missing physical card from the physical wallet based at least on comparing the plurality of physical cards with the plurality of digital cards; and transmitting a notification to one or more user devices with access to the digital wallet. The notification may indicate information identifying the at least one missing physical card.

In some examples, a system may receive transaction data indicating payments into a first account over time and payments out of the first account over time, the first account associated with a user. In addition, the system may access a data structure including historical account data that indicates variations in a balance of the first account over time. The system may determine an indicated minimum balance for the first account based on inputting the transaction data and the historical account data into a first predictive model configured to predict a minimum balance for enabling predicted payments out of a user account. The system may determine, based on a difference between a current balance of the first account and the predicted minimum balance for the first account, that the first account has a surplus of funds. Based at least on the surplus, the system may send an instruction.

Exemplary embodiments provide a multi-party digital check (MP-DC) through an electronic payment system that captures payor payment data/metadata regarding the intended multiple payees. The current embodiment shows two distinct payees, however the system is scalable to more than two distinct payees. MP-DC could have originated from a paper check as a facsimile picture or could be computer generated. The MP-DC is delivered to both payees via an online channel such as email, phone text message, in app message or any other form of online communication. In the current embodiment either Payee can endorse the MP-DC completely online with it's online signature or equivalent unique key i.e. without printing out the check. Once a payee has endorsed the MP-DC the other payee gets an online notification presenting the second payee with a MP-DC. The second payee has the option to cash the MP-DC using one of the methods/options presented. In the current embodiment, available options are printing the check, adding bank account information for ACH or Check21 deposit, adding debit card information for push to card transaction or receiving a Virtual or Physical Debit or Credit with balance equal to the amount on the original check.