GENERATION OF DATA STRUCTURES BASED ON CATEGORIES OF MATCHED DATA ITEMS
A data processing system communicates with a secure third-party database to provide updated user data that is then usable by a plurality of other entities. In some embodiments, the system may be configured to coordinate access to user account information via user-provided authentication credentials, apply account identification rules to the accessed account information to identify a plurality of accounts of the user, and initiate updates to a database record of the user at the secure third-party database associated indicative of any accounts identified.
1 . A computerized method of updating user risk data, the computerized method performed by a computing system having one or more hardware computer processors and one or more non-transitory computer readable storage device storing software instructions executable by the computing system to perform the computerized method comprising:
receiving, from a user computing device, a request to update risk data of the user with account information regarding an account identified in account data items associated with the user stored by a third-party entity;
generating an account creation data package formatted for ingestion at a secured third-party risk database to initiate addition of the account to risk data of the user, the account creation data package including:
an identifier of a recipient indicated in each of the account data items;
a data furnisher identifier associated with an entity that provides consumer data to the secured third-party risk database; and
at least a portion of the account information formatted for ingestion by the secured third-party risk database to initiate addition of the account to risk data of the user;
identifying an API token associated with the secured third-party risk database; and
transmitting the API token and the account creation data package to the secured third-party risk database via a secure communication channel established with the third-party risk database, wherein the account information is usable to update a risk score of the user.
2 . The computerized method of claim 1 , wherein the account information includes a plurality of historical transaction data items indicating a corresponding plurality of historical transactions between the recipient and the user.
3 . The computerized method of claim 2 , further comprising:
requesting execution of a risk scoring algorithm using risk data of the user at the secured third-party risk database, including the plurality of historical transaction data items included in the risk data of the user.
4 . The computerized method of claim 3 , further comprising:
receiving, from the secured third-party risk database, a risk score of the user based on said execution of the risk scoring algorithm; and
transmitting a notification to the user indicating the risk score.
5 . The computerized method of claim 4 , further comprising:
in response to determining that the risk score is lower than a previous risk score of the user, initiating activation of a user interface on the user computing device that includes an option to remove the account information from the risk data of the user;
in response to selection of the option to remove the account information from the risk data of the user,
generating an account removal data package formatted for ingestion at the secured third-party risk database to initiate removal of the account from risk data of the user, the account removal data package including:
the identifier of the recipient; and
the data furnisher identifier associated with the entity that provides consumer data to the secured third-party risk database; and
transmitting the account removal data package to the secured third-party risk database via a secure communication channel.
6 . The computerized method of claim 2 , further comprising:
receiving updated account information regarding the account associated with the user, the updated account information including a transaction data item not included in the plurality of historical transaction data items;
generating an account update data package formatted for ingestion at the secured third-party risk database to initiate update of risk data of the user associated with the account, the account update data package including:
an identifier of the recipient indicated in the transaction data item;
the data furnisher identifier associated with the entity that provides consumer data to the secured third-party risk database; and
at least a portion of the updated account information formatted for ingestion by the secured third-party risk database to initiate addition of the transaction data item to risk data of the user; and
transmitting the API token associated with the secured third-party risk database and the account update data package to the secured third-party risk database.
7 . The computerized method of claim 6 , further comprising:
requesting execution of a risk scoring algorithm using risk data of the user at the secured third-party risk database, wherein the risk scoring algorithm is based at least partly on portions of the plurality of historical transaction data items and the transaction data item.
8 . The computerized method of claim 7 , further comprising:
receiving, from the secured third-party risk database, a risk score of the user based on said execution of the risk scoring algorithm; and
in response to determining that a risk score of the user is different than prior to transmitting the account update data package to the secured third-party risk database, transmitting a notification to the user.
9 . The computerized method of claim 8 , wherein the notification comprises a push notification to the user computing device, the push notification configured to automatically activate an application on the user computing device to cause display of information associated with the notification.
10 . The computerized method of claim 9 , wherein the notification is transmitted to the user in real-time from receiving the updated account information.
11 . The computerized method of claim 1 , further comprising:
receiving, via network communication with the user computing device, selection of a third-party entity from a plurality of third-party entities indicated in a user interface displayed on the user computing device;
credentials for directly accessing, by proxy on behalf of the user via an application programming interface (API), the account items associated with the user stored in one or more databases associated with the third-party entity;
transmitting at least an API token associated with the selected third-party and the credential to one or more databases associated with the selected third-party entity; and
accessing the account data items associated with the user, via an API communication channel established with the one or more databases associated with the selected third-party entity.
12 . The method of claim 11 , further comprising:
selecting a first data item of the plurality of account data items;
determining a recipient identified in the first data item;
identifying a subset of account data items each indicating the determined recipient, wherein the subset of account data items includes at least the first data item and one or more other account data items;
determining, based at least on the identified subset of account data items, account data associated with an account of the user associated with the recipient, the account data comprising at least one or more of:
a number of account data items each having time stamps within a predetermined time period;
average number of days between time stamps of sequential account data items;
applying a first account identification rule, associated with a first account type, to the account data; and
determine, based on said application of the first account identification rule, a first confidence level indicating likelihood that the account is the first type of account.
13 . The method of claim 12 , further comprising:
in response to determining that the first confidence level is above a first threshold, applying a first account scoring model to the account data, the first account scoring model configured to determine an expected change to a current risk score associated with the user.
14 . The method of claim 13 , further comprising:
requesting execution of a risk scoring algorithm using risk data of the user at the secured third-party risk database, wherein the risk scoring algorithm is based at least partly on portions of the plurality of account data items or the account data included in the risk data of the user; and
providing risk score change information to the user computing device.
15 . A computing system comprising:
a hardware computer processor configured to perform operations comprising:
receiving, from a user computing device, a request to update risk data of the user with account information regarding an account identified in account data items associated with the user stored by a third-party entity;
generating an account creation data package formatted for ingestion at a secured third-party risk database to initiate addition of the account to risk data of the user, the account creation data package including:
an identifier of recipient indicated in each of the account data items;
a data furnisher identifier associated with an entity that provides consumer data to the secured third-party risk database; and
at least a portion of the account information formatted for ingestion by the secured third-party risk database to initiate addition of the account to risk data of the user;
identifying an API token associated with the secured third-party risk database; and
transmitting the API token and the account creation data package to the secured third-party risk database via a secure communication channel established with the third-party risk database, wherein the account information is usable to update a risk score of the user.
16 . The computing system of claim 15 , wherein the account information includes a plurality of historical transaction data items indicating a corresponding plurality of historical transactions between the recipient and the user.
17 . The computing system of claim 16 , further comprising:
requesting execution of a risk scoring algorithm using risk data of the user at the secured third-party risk database, including the plurality of historical transaction data items included in the risk data of the user.
18 . The computing system of claim 17 , further comprising:
receiving, from the secured third-party risk database, a risk score of the user based on said execution of the risk scoring algorithm; and
transmitting a notification to the user indicating the risk score.
19 . A non-transitory computer readable medium having processor-executable instructions stored thereon, the processor-executable instructions executable by a hardware computer processor to perform operations comprising:
receiving, from a user computing device, a request to update risk data of the user with account information regarding an account identified in account data items associated with the user stored by a third-party entity;
generating an account creation data package formatted for ingestion at a secured third-party risk database to initiate addition of the account to risk data of the user, the account creation data package including:
an identifier of recipient indicated in each of the account data items;
a data furnisher identifier associated with an entity that provides consumer data to the secured third-party risk database; and
at least a portion of the account information formatted for ingestion by the secured third-party risk database to initiate addition of the account to risk data of the user;
identifying an API token associated with the secured third-party risk database; and
transmitting the API token and the account creation data package to the secured third-party risk database via a secure communication channel established with the third-party risk database, wherein the account information is usable to update a risk score of the user.