This disclosure describes, in part, techniques for automating transfers of funds from a deposit account of a user to a savings account of the user based on historical transaction data associated with the deposit account. Using historical deposits and withdrawals from the deposit account, a prediction may be made regarding deposits to, and withdrawals from, the deposit account that will occur in a future period. Based on that that information and a balance to maintain in the deposit account for the duration of the future period, the amount of funds to transfer from the deposit account to the savings account may be determined. The techniques may further include transferring the funds to the savings account once determined.

Systems as described herein generate an outstanding check alert. An alert generating server may receive transaction records associated with a plurality of checking accounts. The alert generating server may user a first machine learning classifier to determine a transaction pattern indicating a merchant has failed to process outstanding checks for a period of time. The alert generating server may receive sequential check information comprising at least one missing check number associated with a particular checking account. The alert generating server may user a second machine learning classifier to determine at least one outstanding check associated with the particular checking account. The alert generating server may send an alert indicating the at least one outstanding check to a user device.

Systems and methods include a database maintained by a financial institution that stores transaction data associated with a previous financial transaction performed via a financial account of a respective account holder, wherein the transaction data comprises a transaction location and a transaction timestamp, a spend memory processor of the financial institution that retrieves the transaction data from the database, interacts with a social linking application programming interface (API) to receive, via a network, social data from a social networking site, wherein the social data comprises a social location and a social timestamp, compares the social data to the transaction data, and creates a spend memory record based on one or more similarities between the social data and the transaction data, and a communication interface of the financial institution that provides the spend memory record to a mobile device associated with the account holder.

In an embodiment, a system for preventing the mailing of duplicate checks is provided. When payment information is received for a check, a code is generated. The code may identify the payment and may be based on the payment information. When the check is composed for the payment, the code is included such that when the check is printed, the code is printed on the check. After the check is printed and sent to the inserter for insertion into an envelope, the inserter reads the code on the check. The inserter compares the code to a list of previously scanned codes. If the inserter finds the code on the list, then the check is a duplicate check and can be prevented from being mailed. If the code is not one the list, then the inserter adds the code to the list, and allows the check to be mailed.

A mobile banking reconciliation application allows a user to reconcile a business's records with banking records associated with one or more accounts of the business. The mobile banking reconciliation application can access an accounting system to obtain business records and banking records associated with the business. The banking records and business records may be displayed as a set of cards that a user can scroll and/or flip through (e.g., using the touch screen of a mobile device). The related business records displayed may be a suggestion that is based on a determination that the banking record likely matches the business record. The user may identify the appropriate business record for the particular bank record being reconciled from existing business records, or the user may create a new business record.

An apparatus, method, and computer program product for generating a unified digital check register are provided. An example method includes receiving, by input/output circuitry, check data and determining, by check evaluation circuitry, whether the received check data corresponds to a digital check or a physical check. In response to determining that the received check data corresponds to a digital check, the method includes generating digital check data based on the received check data. In response to determining that the received check data corresponds to a physical check the method includes generating physical check data based on the received check data. The method further includes inserting, by registry management circuitry, any generated digital check data with any generated physical check data into a unified check dataset, and curating, by the registry management circuitry, a unified digital check register using the unified check dataset.

A method and apparatus for the optimization of asset allocation and an asset allocation register using sub-value indicators and designations to optimize the utilization and availability of assets without the transfer of actual assets. The present invention may be used as shown in the following examples to allocate personal and business enterprise finances or to allocate and designate the utilization of valuables such as heirlooms, jewelry and other items. The allocation register of the present invention also provides to a user or business optimization of assets for savings, retirement, special events or purchases of desired tangible items. Importantly, the asset allocation register supports the user in a way that allows them to pay themselves first by embracing the way they may already think about the assets in their account.

Various methods, apparatuses, and media for implementing a check fraud detection module are provided. A processor parses received digital image of a check into separate portions, one of the portions including a signature of an account holder. The processor applies a machine learning model to generate a new 128-dimensional embedding of the signature of the account holder parsed from the received digital image of the check and compares it preauthorized historical reference 128-dimensional embedding of the signature stored onto a database. The processor generates, based on comparing, a similarity score between the new 128-dimensional embedding of the signature and the preauthorized historical reference 128-dimensional embedding of the signature; and identifies whether the received check is fraudulent or not based on the generated similarity score.

Various examples are directed to systems and methods for interfacing a computing system to a human user. For example, a graphical user interface may be provided to a user. The graphical user interface comprises a holding shape and a first income source shape indicating a first income source. The holding shape comprises a filled portion having a first filled portion level indicating a first holding balance of an account of the user. A first deposit shape may be moved from the first income source shape towards the filled portion of the holding shape. The first deposit shape may indicate a first deposit to the account from the first income source. The filled portion may be resized to a second filled portion level indicating a second holding balance of the account after the first deposit.

Technologies are disclosed for reconciliating payment transactions performed by a payment service provider. Instead of reconciling the payment transactions in a serial manner, a reconciliation service performs payment reconciliation in a distributed manner among different reconciliation processes within a service provider network such that payment reconciliation for payment transactions can be distributed between a number of different reconciliation processes. Remittance data received from a payment service provider and deposit data received by a financial institution may be used by the reconciliation processes to perform payment reconciliation. The payment reconciliation processes may be performed within a selected geographic region in order to satisfy different reconciliation requirements/regulations.