Patent Publication Number: US-2023138035-A1

Title: Transaction based fraud detection

Description:
CROSS-REFERENCES TO RELATED APPLICATIONS 
     This application claims the benefit of U.S. Provisional Patent Application No. 63/274,002 entitled “TRANSACTION BASED FRAUD DETECTION” and filed on Oct. 31, 2021, for Michael Lott, et al., which is incorporated herein by reference in its entirety for all purposes. 
    
    
     FIELD 
     This invention relates to fraud detection and more particularly relates to transaction and/or account based fraud detection. 
     BACKGROUND 
     Verification of users and/or accounts can be an important tool in preventing fraud. However, verification is often slow, and limited to basic information such as name, address, government identification, or the like. 
     BRIEF SUMMARY 
     Apparatuses, methods, computer program products, and systems are disclosed for transaction based fraud detection. In one embodiment, an apparatus includes a processor and a memory that stores code executable by the processor. Executable code, in some embodiments, is executable to receive, over an application programming interface, an electronic request to perform an action for a user. In a further embodiment, executable code is executable to electronically access one or more attributes of an account for the user. In certain embodiments, executable code is executable to selectively perform the action for the user based on the one or more attributes of the account. 
     In some embodiments, a method for transaction based fraud detection includes receiving, over an application programming interface, an electronic request to perform an action for a user. A method, in certain embodiments, includes electronically accessing one or more attributes of an account for the user. In a further embodiment, a method includes selectively performing the action for the user based on the one or more attributes of the account. 
     In one embodiment, an apparatus for transaction based fraud detection includes means for receiving, over an application programming interface, an electronic request to perform an action for a user. An apparatus, in some embodiments, includes means for electronically accessing one or more attributes of an account for the user. In certain embodiments, an apparatus includes means for selectively performing the action for the user based on the one or more attributes of the account. 
    
    
     
       BRIEF DESCRIPTION OF THE DRAWINGS 
       In order that the advantages of the invention will be readily understood, a more particular description of the invention briefly described above will be rendered by reference to specific embodiments that are illustrated in the appended drawings. Understanding that these drawings depict only typical embodiments of the invention and are not therefore to be considered to be limiting of its scope, the invention will be described and explained with additional specificity and detail through the use of the accompanying drawings, in which: 
         FIG.  1 A  is a schematic block diagram illustrating one embodiment of a system for transaction based fraud detection; 
         FIG.  1 B  is a schematic block diagram illustrating one embodiment of a system for transaction based fraud detection; 
         FIG.  2    is a schematic block diagram of one embodiment of a verification module; 
         FIG.  3    is a schematic block diagram of another embodiment of a verification module; 
         FIG.  4    is a schematic flow chart diagram illustrating one embodiment of a method for transaction based fraud detection; and 
         FIG.  5    is a schematic flow chart diagram illustrating a further embodiment of a method for transaction based fraud detection. 
     
    
    
     DETAILED DESCRIPTION 
     Reference throughout this specification to “one embodiment,” “an embodiment,” or similar language means that a particular feature, structure, or characteristic described in connection with the embodiment is included in at least one embodiment. Thus, appearances of the phrases “in one embodiment,” “in an embodiment,” and similar language throughout this specification may, but do not necessarily, all refer to the same embodiment, but mean “one or more but not all embodiments” unless expressly specified otherwise. The terms “including,” “comprising,” “having,” and variations thereof mean “including but not limited to” unless expressly specified otherwise. An enumerated listing of items does not imply that any or all of the items are mutually exclusive and/or mutually inclusive, unless expressly specified otherwise. The terms “a,” “an,” and “the” also refer to “one or more” unless expressly specified otherwise. 
     Furthermore, the described features, advantages, and characteristics of the embodiments may be combined in any suitable manner. One skilled in the relevant art will recognize that the embodiments may be practiced without one or more of the specific features or advantages of a particular embodiment. In other instances, additional features and advantages may be recognized in certain embodiments that may not be present in all embodiments. 
     These features and advantages of the embodiments will become more fully apparent from the following description and appended claims, or may be learned by the practice of embodiments as set forth hereinafter. As will be appreciated by one skilled in the art, aspects of the present invention may be embodied as a system, method, and/or computer program product. Accordingly, aspects of the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment (including firmware, resident software, micro-code, etc.) or an embodiment combining software and hardware aspects that may all generally be referred to herein as a “circuit,” “module,” or “system.” Furthermore, aspects of the present invention may take the form of a computer program product embodied in one or more computer readable medium(s) having program code embodied thereon. 
     Many of the functional units described in this specification have been labeled as modules, in order to more particularly emphasize their implementation independence. For example, a module may be implemented as a hardware circuit comprising custom VLSI circuits or gate arrays, off-the-shelf semiconductors such as logic chips, transistors, or other discrete components. A module may also be implemented in programmable hardware devices such as field programmable gate arrays, programmable array logic, programmable logic devices or the like. 
     Modules may also be implemented in software for execution by various types of processors. An identified module of program code may, for instance, comprise one or more physical or logical blocks of computer instructions which may, for instance, be organized as an object, procedure, or function. Nevertheless, the executables of an identified module need not be physically located together, but may comprise disparate instructions stored in different locations which, when joined logically together, comprise the module and achieve the stated purpose for the module. 
     Indeed, a module of program code may be a single instruction, or many instructions, and may even be distributed over several different code segments, among different programs, and across several memory devices. Similarly, operational data may be identified and illustrated herein within modules, and may be embodied in any suitable form and organized within any suitable type of data structure. The operational data may be collected as a single data set, or may be distributed over different locations including over different storage devices, and may exist, at least partially, merely as electronic signals on a system or network. Where a module or portions of a module are implemented in software, the program code may be stored and/or propagated on in one or more computer readable medium(s). 
     The computer program product may include a computer readable storage medium (or media) having computer readable program instructions thereon for causing a processor to carry out aspects of the present invention. 
     The computer readable storage medium can be a tangible device that can retain and store instructions for use by an instruction execution device. The computer readable storage medium may be, for example, but is not limited to, an electronic storage device, a magnetic storage device, an optical storage device, an electromagnetic storage device, a semiconductor storage device, or any suitable combination of the foregoing. A non-exhaustive list of more specific examples of the computer readable storage medium includes the following: a portable computer diskette, a hard disk, a random access memory (“RAM”), a read-only memory (“ROM”), an erasable programmable read-only memory (“EPROM” or Flash memory), a static random access memory (“SRAM”), a portable compact disc read-only memory (“CD-ROM”), a digital versatile disk (“DVD”), a memory stick, a floppy disk, a mechanically encoded device such as punch-cards or raised structures in a groove having instructions recorded thereon, and any suitable combination of the foregoing. A computer readable storage medium, as used herein, is not to be construed as being transitory signals per se, such as radio waves or other freely propagating electromagnetic waves, electromagnetic waves propagating through a waveguide or other transmission media (e.g., light pulses passing through a fiber-optic cable), or electrical signals transmitted through a wire. 
     Computer readable program instructions described herein can be downloaded to respective computing/processing devices from a computer readable storage medium or to an external computer or external storage device via a network, for example, the Internet, a local area network, a wide area network and/or a wireless network. The network may comprise copper transmission cables, optical transmission fibers, wireless transmission, routers, firewalls, switches, gateway computers and/or edge servers. A network adapter card or network interface in each computing/processing device receives computer readable program instructions from the network and forwards the computer readable program instructions for storage in a computer readable storage medium within the respective computing/processing device. 
     Computer readable program instructions for carrying out operations of the present invention may be assembler instructions, instruction-set-architecture (ISA) instructions, machine instructions, machine dependent instructions, microcode, firmware instructions, state-setting data, or either source code or object code written in any combination of one or more programming languages, including an object oriented programming language such as Smalltalk, C++ or the like, and conventional procedural programming languages, such as the “C” programming language or similar programming languages. The computer readable program instructions may execute entirely on the user&#39;s computer, partly on the user&#39;s computer, as a stand-alone software package, partly on the user&#39;s computer and partly on a remote computer or entirely on the remote computer or server. In the latter scenario, the remote computer may be connected to the user&#39;s computer through any type of network, including a local area network (LAN) or a wide area network (WAN), or the connection may be made to an external computer (for example, through the Internet using an Internet Service Provider). In some embodiments, electronic circuitry including, for example, programmable logic circuitry, field-programmable gate arrays (FPGA), or programmable logic arrays (PLA) may execute the computer readable program instructions by utilizing state information of the computer readable program instructions to personalize the electronic circuitry, in order to perform aspects of the present invention. 
     Aspects of the present invention are described herein with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each block of the flowchart illustrations and/or block diagrams, and combinations of blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer readable program instructions. 
     These computer readable program instructions may be provided to a processor of a general purpose computer, special purpose computer, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions/acts specified in the flowchart and/or block diagram block or blocks. These computer readable program instructions may also be stored in a computer readable storage medium that can direct a computer, a programmable data processing apparatus, and/or other devices to function in a particular manner, such that the computer readable storage medium having instructions stored therein comprises an article of manufacture including instructions which implement aspects of the function/act specified in the flowchart and/or block diagram block or blocks. 
     The computer readable program instructions may also be loaded onto a computer, other programmable data processing apparatus, or other device to cause a series of operational steps to be performed on the computer, other programmable apparatus or other device to produce a computer implemented process, such that the instructions which execute on the computer, other programmable apparatus, or other device implement the functions/acts specified in the flowchart and/or block diagram block or blocks. 
     The schematic flowchart diagrams and/or schematic block diagrams in the Figures illustrate the architecture, functionality, and operation of possible implementations of apparatuses, systems, methods and computer program products according to various embodiments of the present invention. In this regard, each block in the schematic flowchart diagrams and/or schematic block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions of the program code for implementing the specified logical function(s). 
     It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the Figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. Other steps and methods may be conceived that are equivalent in function, logic, or effect to one or more blocks, or portions thereof, of the illustrated Figures. 
     Although various arrow types and line types may be employed in the flowchart and/or block diagrams, they are understood not to limit the scope of the corresponding embodiments. Indeed, some arrows or other connectors may be used to indicate only the logical flow of the depicted embodiment. For instance, an arrow may indicate a waiting or monitoring period of unspecified duration between enumerated steps of the depicted embodiment. It will also be noted that each block of the block diagrams and/or flowchart diagrams, and combinations of blocks in the block diagrams and/or flowchart diagrams, can be implemented by special purpose hardware-based systems that perform the specified functions or acts, or combinations of special purpose hardware and program code. 
       FIG.  1 A  and  FIG.  1 B  depict embodiments of systems  100 ,  120  for transaction based fraud detection. In one embodiment, the system  100  includes one or more hardware computing devices  102 , one or more verification modules  104  (e.g., a backend verification module  104  disposed on a backend server  110 , and/or a plurality of verification modules  104  disposed on servers  108  of one or more third-party service providers  108 , or the like), one or more data networks  106  or other communication channels, one or more third-party service providers  108  (e.g., one or more servers  108  of one or more service providers  108 ; one or more cloud or network service providers  108 , or the like), one or more backend servers  110  and/or one or more core processing systems  122   a - n . In certain embodiments, even though a specific number of hardware computing devices  102 , verification modules  104 , data networks  106 , third-party service providers  108 , backend servers  110 , and/or core processing systems  122   a - n  are depicted in  FIG.  1 A  and  FIG.  1 B , one of skill in the art will recognize, in light of this disclosure, that any number of hardware computing devices  102 , verification modules  104 , data networks  106 , third-party service providers  108 , backend servers  110 , and/or core processing systems  122   a - n  may be included in the systems  100 ,  120 . 
     In general, a verification module  104  is configured to monitor and/or analyze (e.g., in response to a request to perform an action, in real-time, continuously, or the like) one or more transactions (e.g., financial transactions, electronic transactions, network transactions, or the like) and/or identity data to estimate, determine, and/or detect fraud, a likelihood of fraud, or the like. For example, in some embodiments, a verification module  104  may determine a likelihood that a user, a user account, and/or another entity is legitimate (e.g., rather than fraudulent) in addition to or in conjunction with an account verification process, an asset verification process, or the like. 
     A verification module  104 , in certain embodiments, may process and/or analyze transactional and/or identity data to determine if there are behaviors and/or patterns indicating fraud. In response to detecting one or more behaviors and/or patterns indicating fraud, a verification module  104  may provide one or more alerts or other notifications to an administrator user, a third-party  108  (e.g., a financial institution, a service provider, a customer, a client, and/or another entity), or the like, may determine a confidence score indicating a likelihood that a user, account, or other entity is fraudulent, is not fraudulent, or the like based on the transaction and/or identity data. 
     For example, in some embodiments, a verification module  104  may analyze an age of an account (e.g., opened the same day, within a few days, a week ago, a month ago, a year ago, several years ago, or the like), with newer accounts being more likely to be fraudulent. In further embodiments, a verification module  104  may analyze a frequency of transactions, a number of transactions, a monetary amount of one or more transactions, a total monetary amount of transactions, an average monetary amount of transactions, a date of a most recent transaction, a repetitive nature of transactions (e.g., repeated similar transaction amounts, transaction parties, or the like), an oldest deposit, a most recent deposit, a monetary amount of a deposit, or the like for inbound transactions, outbound transactions, and/or both. A verification module  104  may analyze a type of account, how an account is being used (e.g., a personal account being used as a business account, vice versa, or the like), a role a specific user plays for an account with multiple users, and/or other attributes of an account or its usage. 
     In one embodiment, a third-party  108  (e.g., a financial institution, a service provider, a customer, a client, and/or another entity) may provide a verification module  104  with transaction data, account data, identity data, or other data held by the third-party  108  for the user, account, or other entity being verified. A verification module  104 , in some embodiments, may match a user, account, or other entity being verified to other records for the user, account, or other entity (e.g., to match or verify an identity, a likelihood of fraud, or the like) and may notify a third-party  108  or other entity requesting the verification of the match (e.g., a financial institution, a service provider, a customer, a client, and/or another entity). 
     In this manner, in various embodiments, a verification module  104  may provide robust verification of an identity of an individual user, an account, or other entity, with a confidence score or other metric indicating a strength of the identity match, a likelihood of fraud, or the like. 
     A verification module  104 , in some embodiments, may be configured to manage and/or verify user accounts and/or actions (e.g., via executable applications  114 , an API, or the like) dynamically based on a confidence score indicating a likelihood that the user and/or an account is fraudulent (e.g., based on user data, financial account and/or transaction data, or the like). For example, a verification module  104  may determine a confidence score and/or another fraud assessment for a user and/or account based on transaction data, account data, security or other risk submissions by the user, monitoring a set of steps taken by the user (e.g., registration steps, training steps, sandbox steps, or the like), live monitoring of third-party sources (e.g., the dark web, online articles, government filings, lawsuits, or the like), and/or other security and/or risk factors. 
     In certain embodiments, a verification module  104  may determine a scope of actions allowed for a user and/or account based on the current dynamic confidence score and/or other fraud assessment for the user and/or account (e.g., dynamically expanding or restricting available actions based on changes in the confidence score). For example, in response to a confidence score indicating an increase in determined fraud risk for an account and/or user, a verification module  104  may limit a number of transactions allowed for a user and/or account during a period of time, may limit a monetary amount of transactions allowed for a user and/or account during a period of time (e.g., a maximum monetary amount for a transaction, a cumulative monetary amount for transactions, an average monetary amount for transactions, or the like), may limit a type of transactions allowed for a user and/or account, may close and/or deny an account, may put a hold on an account, may alert a third-party service provider  108  or other client, or the like. 
     A verification module  104 , in some embodiments, may dynamically notify a third-party (e.g., a third-party service provider  108  or other client, the user, an administrator, and/or another entity) of updates to a confidence score (e.g., increased fraud risk, decreased fraud risk, or the like). In certain embodiments, a verification module  104  may provide an API, portal, dashboard, GUI, and/or other user interface to a third-party service provider  108   a - n  and/or another client, displaying dynamic confidence scores, or the like (e.g., allowing the third-party service provider  108   a - n  to set risk thresholds, manually adjust allowed and/or blocked actions, view changes in confidence scores and/or scopes of actions, or the like). 
     A verification module  104 , in one embodiment, is configured to verify an existence of and/or a status of one or more accounts of a user (e.g., financial accounts, online service provider accounts, social media accounts, or the like) with minimal or no user interaction, input, feedback, or the like. As used herein, account verification (or instant account verification) enables entities such as businesses, banks or other financial institutions, or the like to verify whether a user and/or account is valid or fraudulent in real-time, within seconds, or the like. 
     For instance, a user of a financial institution (e.g., a bank, a credit union, a lender, a mortgage company, a financial technology company, or the like) may provide their electronic credentials (e.g., a username and password or other credentials), for the account to be verified. A verification module  104  may log in on behalf of that user and securely return account information (e.g., the account and/or routing number, transaction data, or the like) to the financial institution as verified. 
     In certain embodiments, a verification module  104  on a user&#39;s hardware device  102  (e.g., as part of an application  114 , or the like) may communicate with a verification module  104  for a third-party entity  108  (e.g., either directly and/or through one or more backend verification modules  104  on one or more backend servers  110 , or the like) over a data network  106 , or the like. In this manner, in some embodiments, a verification module  104  may verify a user, verify an account, complete a transaction, or the like between a user and a third-party entity  108  using a hardware device  102  of the user instead of a payment card and/or a payment card network, authenticating a user rather than a card. 
     In one embodiment, as described in greater detail below, a verification module  104  may be part of, integrated with, and/or in communication with a personal financial management (PFM) mobile application  114  executing on a mobile hardware device  102  for the user, and may already have access to and/or authorization from the user to access one or more of the user&#39;s financial accounts (e.g., accounts with a plurality of third-party financial institutions  108 ,  114  or the like) using the user&#39;s electronic credentials. A verification module  104  may use the user&#39;s electronic credentials to aggregate transaction data for the user, to verify an availability of funds and/or credit, to send payment for a transaction, or the like. A verification module  104 , in some embodiments, may cleanse, categorize, classify, and/or otherwise process the user&#39;s aggregated financial transaction data from one or more third-party financial accounts (e.g., to facilitate accurate fraud detection for subsequent financial transactions, or the like). 
     In one embodiment, a verification module  104  for a third-party entity  108 , in response to a completed transaction or the like, may provide item level data for the transaction to a verification module  104  for the user, to a backend verification module  104 , or the like. In other embodiments, a verification module  104  may provide item level data prior to completion of a transaction, and a verification module  104  may use the item level data for fraud detection for the transaction. Item level data is described in greater detail below. For example, in some embodiments, a verification module  104  may provide the item level data as an electronic receipt to the user on a hardware device  102  for the user, or the like. 
     In one embodiment, a verification module  104  is configured to determine and/or receive a user&#39;s electronic credentials (e.g., username and password, fingerprint scan, retinal scan, digital certificate, personal identification number (PIN), challenge response, access token, hardware token, software token, DNA sequence, signature, facial recognition, voice pattern recognition, bio-electric signals, two-factor authentication credentials, or the like) for one or more third-party entities  108 . The verification module  104 , in certain embodiments, accesses a server  108  of a third-party entity  108  using a user&#39;s electronic credentials to download data associated with the user from the server  108 , such as a user&#39;s photos, a user&#39;s social media posts, a user&#39;s medical records, a user&#39;s financial transaction records or other financial data, and/or other data associated with and/or owned by a user but stored by a server  108  of a third-party entity  108  (e.g., stored by hardware not owned, maintained, and/or controlled by the user). 
     A verification module  104 , in various embodiments, may provide the downloaded data to the user locally (e.g., from an application  114 , displaying the data on an electronic display of a hardware device  102 , or the like); may provide the downloaded data from the hardware device  102  of the user to and/or package the data for a remote server  110  (e.g., a backend verification module  104 ) or other remote device (e.g., another hardware device  102  of the user, a hardware device  102  of a different user, or the like) which may be unaffiliated with the third-party entity  108 ; may provide one or more alerts, messages, advertisements, or other communications to the user (e.g., on a hardware device  102 ) based on the downloaded data; or the like. 
     In one embodiment, a verification module  104  is configured to use the user&#39;s received electronic credentials to verify an account for the user, an account balance, one or more account transactions, or the like. As described above, a verification module  104  may verify an account in real time (e.g., substantially instantly), using electronic credentials of the user for the account (e.g., an account number and PIN/password, a username and password, an access token, or the like). In such an embodiment, a verification module  104  may receives electronic credentials from a user, from a password manager, from a third-party service provider  108  (e.g., receiving an access token in response to the user authenticating with the third-party service provider  108 ), or the like. The electronic credentials may, in certain embodiments, include one or more access tokens that may be issued to a verification module  104  or other entity by an authorization server, with the approval of the resource owner. The verification module  104  may then use the access token to access the protected resources hosted by the resource server. 
     For example, a verification module  104  may attempt to login to the user&#39;s account by presenting the user&#39;s access tokens as part of an OAuth service, or the like. As used herein, OAuth may refer to an open standard/service for access delegation, commonly used as a way for Internet users to grant websites or applications access to their information on other websites but without giving them the passwords. In another example, a verification module  104  may attempt to login to a user&#39;s account using a webpage associated with the account (e.g., an HTTP interface, a screen scrape, or the like), may use an API associated with the account, or the like. 
     In various embodiments, a verification module  104 , in response to successfully logging into the user&#39;s account using the user&#39;s electronic credentials, may be configured to verify an existence of an account, a status of an account, contents of an account (e.g., an amount present in a financial account, verification of assets, verification of income, or the like), a capability or limitations of an account (e.g., other services that the user has access to, or does not have access to), a subscription and/or membership level associated with an account, a number of posts associated with an account (e.g. social media posts, image posts, product reviews, or the like), a most recent post associated with an account, a number of friends and/or followers associated with an account, or the like. 
     In some embodiments, a verification module  104  is configured to use multiple methods to verify an account (e.g., in a failover, rollover, fallback, round robin, and/or other configuration). For example, in one embodiment, a verification module  104  may attempt to login to a user&#39;s account to verify the account using the user&#39;s electronic credentials (e.g., using a web/HTTP interface, an OAuth service, and/or an API interface), and in response to the attempted verification failing, the verification module  104  may attempt to verify the account using a different method, such as microdeposits, and/or may use another verification method. 
     As used herein, microdeposits are deposits into a user&#39;s account, usually two or more deposits of small amounts, that, when the user sees the deposits in their account, enters the amounts of the deposits into an interface of the entity that made the deposits to verify the user&#39;s account. The order and/or verification methods used by a verification module  104 , in some embodiments, may be configurable and/or customizable, based on one or more preferences of a user, an entity verifying the user&#39;s account, or the like (e.g., a verification module  104  may use different failover methods, different verification methods, or the like for different users, different customers/clients, or the like). 
     A verification module  104  (e.g., located at a personal financial management application/system/platform, at a third party such as a bank or other financial institution, or the like), in one embodiment, may automatically verify one or more microdeposits into an account based on financial transaction data aggregated for the user from the account. For example, in some embodiments, a user may have already previously connected to and/or setup an account for aggregation using a verification module  104 , and in response to a third-party requesting verification of the account, the verification module  104  may send one or more microdeposits to the account, and may process subsequent transaction data aggregated for the account to verify proper receipt of the one or more microdeposits (e.g., matching amounts, a party to the transaction, or the like in a self-confirming manner). 
     For instance, a verification module  104 , as part of a personal financial management platform/application or a third-party system, may deposit $0.50 and $0.37 cents into the user&#39;s account that the third-party wants to verify in response to a request from the third party to verify the account. A verification module  104  may then access the user&#39;s aggregated transaction data (e.g., without accessing the user&#39;s account directly, e.g., using a bank&#39;s website), and process the transaction data looking for the two microdeposits into the account. A verification module  104  may then determine whether the microdeposits are present in the aggregated transaction data, and if so, may determine whether the amounts of the microdeposits match the amounts that were deposited into the user&#39;s account and further send a confirmation or verification to the third party that the microdeposits are present in the user account. In this manner, in one embodiment, a verification module  104  may verify an account for a user with little or no additional participation and/or input by the user (e.g., without the user manually entering an amount of a microdeposit to confirm the amount, or the like). 
     In further embodiments, the verification module  104  submits the microdeposit transaction information (e.g., an amount of the microtransaction, a party of the transaction, and/or other identifying information) from the user&#39;s transaction data at a third party that requests verification of the user&#39;s account. For instance, the verification module  104  may submit the microdeposit transaction information using an API of the third party, using an interface of the third party (e.g., a website that the verification module  104  scraps to locate a graphical input location of the website for the microtransaction information), or the like. 
     In other embodiments, a verification module  104  may verify an account based on financial transaction data that is aggregated from a plurality of transaction data sources (e.g., bank servers  108 ) for the account (e.g., based on previous financial transactions already aggregated for the account, without additional microdeposits or other verification, or the like). In such an embodiment, the financial transaction data may be aggregated at a data aggregation server, which may be a first party server and/or a third-party server. For instance, the verification module  104  may receive the user&#39;s electronic credentials at the data aggregation server and the data aggregation server may attempt to login into the user&#39;s account on behalf of the user using the received electronic credentials. Upon successfully logging into the user&#39;s account, the user&#39;s account information, e.g., financial transaction data such as the account number, routing number, or the like may be received at the data aggregation server. 
     In one embodiment, a verification module  104  is configured to collect at least a portion of the electronic credentials or other user information (e.g., a name, an identifier, an account number, a routing number, or the like) using an (automated) scan (e.g., a photo, optical character recognition, image recognition, or the like) or screenshot of a document such as a voided check, a deposit slip, a receipt, a financial statement, a credit card statement, a mortgage statement, government identification, or the like. In further embodiments, the verification module  104  verifies the account information using the information that the verification module  104  captures, e.g., by comparing account information such as account numbers, user information (e.g., name, address, social security numbers, or the like), routing numbers, or the like. 
     In one embodiment, a verification module  104  collects a minimal amount of information from a user based on a verification order and/or method selected for verification of the user&#39;s account (e.g., so that the verification module  104  does not collect additional information from the user in response to one or more verification attempts failing). For example, a verification module  104  may prompt the user for the user&#39;s electronic credentials, for a name, for an account number, or the like. Thus, a verification module  104  may request information from the user for verifying the user&#39;s account at one time without subsequently requesting additional information from the user in response to the account verification failing. 
     In another embodiment, a verification module  104  may collect information from a user for a first verification method initially, e.g., using electronic credentials, and may subsequently collect additional information from the user for a second verification method, e.g., microdeposits, in response to the first verification method failing, or the like. For example, a verification module  104  may request the user&#39;s electronic credentials for account verification, and, in response to the account verification failing, subsequently request account information from the user for verifying the user&#39;s account using the one or more microdeposits. 
     In one embodiment, a verification module  104  is configured to provide one or more reports and/or other messages to a user associated with an account being verified, to a third-party entity requesting verification of the account, or the like (e.g., using a graphical user interface of a hardware device  102 , an email, a text message, a push notification, or the like). A verification module  104  may notify a user and/or a third-party of success or failure of an account verification, of a failover order of verification methods used (e.g., an audit trail, proof of diligence, a log, or the like), or the like. 
     In one embodiment, the verification module  104  generates reports that indicate whether the user&#39;s account was verified successfully, whether the user&#39;s electronic credentials were successfully used to verify the user&#39;s account, whether microdeposits were used to verify the user&#39;s account in response to failing to verify the user&#39;s account using the user&#39;s electronic credentials and the amounts of the microdeposits, or the like. 
     In general, a datapath module  112  provides electronic access and/or another connection to data, such as data from one or more core processing systems  122   a - n , or the like, to a verification module  104 , to one or more executable applications  114 , to a backend server  110 , over a data network  106 , or the like. A core processing system  122 , as used herein, comprises one or more hardware computing devices and/or computer executable program code for storing, tracking, processing, and/or updating transaction data, account data, other data, or the like for one or more users. For example, in embodiments where a third-party service provider  108  comprises a bank or other financial institution, a core processing system may comprise a backend system that processes financial transactions, posts updates to financial accounts (e.g., deposit accounts such as savings and/or checking accounts, loan or other credit accounts, investment accounts, mortgage accounts, credit card accounts, or the like), and/or provides other general ledger or financial reporting functions. Core processing systems  122   a - n  may have different compatibilities, functions, requirements, or the like and may be installed on premises, may be cloud-based and installed on a backend server  110 , may be accessible over a data network  106 , or the like. A datapath module  112  may connect one or more core processing systems  122   a - n  to a verification module  104  and/or to one or more other interfaces or services. 
     In one embodiment, a datapath module  112  may be configured to simultaneously support multiple account/transaction core processing systems  122   a - n , providing a user (e.g., a financial institution, a third-party entity, or the like) with real-time access to each account/transaction core processing system  122  through the same endpoint (e.g., a verification module  104  or other application programming interface) or other interface, even if different identifiers, different tokens or other electronic credentials, or the like may be used for the same user for the different cores  122   a - n  on the backend for the datapath module  112  to access the different cores  122   a - n . In one embodiment, the datapath module  112  maintains simultaneous access to the different core processing systems  122   a - n  overtime, on an ongoing basis. In a further embodiment, the datapath module  112  automatically migrates users from a first account/transaction core processing system  122  to a second (e.g., different) account/transaction core processing system  122  over time. 
     For example, a datapath module  112  may support multiple different account/transaction core processing systems  122   a - n  on the same backend for the same set of users, providing access to the multiple different account/transaction core processing systems  122   a - n  through the same endpoint (e.g., the same verification module  104 , the same API, the same online portal, the same mobile and/or desktop application  114 , another user interface, or the like). For example, in some embodiments, a datapath module  112  may enable a financial institution or other entity  108  to use different core processing systems  122   a - n  for checking/savings accounts than for credit cards, than for mortgages, or the like on an ongoing basis, without immediately or necessarily migrating between the cores  122   a - n , or to seamlessly continue to support multiple account/transaction core processing systems  122   a - n  after a merger, or the like. 
     Because user and/or account identifiers may be different for the different account/transaction core processing systems  122   a - n , a datapath module  112 , in some embodiments, may maintain an identity repository or other data structure mapping user and/or account identifiers between account/transaction core processing systems  122   a - n . Similarly, a datapath module  112  may maintain separate electronic credentials (e.g., authorization tokens, usernames and passwords, or the like) for each user and/or account for the different account/transaction core processing systems  122   a - n , but may provide a single point of validation and/or authentication for the user to access the multiple account/transaction core processing systems  122   a - n  (e.g., using the separate authorization tokens or other electronic credentials once the user has been authenticated, or the like). For example, during registration, an initial login, or the like for a user, a datapath module  112  may query multiple account/transaction core processing systems  122   a - n  to determine if the user has an account, and may populate the identity repository with the resulting identifiers for the user, for the accounts, or for other account information. 
     In some embodiments, a datapath module  112  automatically migrates user accounts between different core account processing systems  122   a - n . A datapath module  112 , in certain embodiments, may migrate accounts in a user-led manner, delaying migration of a user&#39;s account until the user logs in to a new environment, or otherwise provides user input to a user input element, or the like. A datapath module  112 , in response to determining to migrate an account between core account processing systems  122   a - n , may close an account on a first core processing system  122 , create a new account on a second core processing system  122 , and transfer funds from the closed account to the new account, or the like. In this manner, by waiting for a user to login or otherwise interact with a displayed user interface element before migrating, migration may be throttled or spread out over time, and the user may be allowed to opt-in to the migration, allowing early adopters or more frequent users to be migrated first. A datapath module  112 , in this manner, may also help the migrating financial institution  108   a - n  to satisfy certain contractual obligations, by migrating the most active users first, or the like. A datapath module  112 , in certain embodiments, provides a seamless migration between core account processing systems  122   a - n  over time, as users self-select for migration. 
     In one embodiment, a system  100 ,  120  includes one or more hardware computing devices  102 . The hardware computing devices  102  (e.g., hardware computing devices, information handling devices, or the like) may include one or more of a desktop computer, a laptop computer, a mobile device, a tablet computer, a smart phone, a set-top box, a gaming console, a smart TV, a smart watch, a fitness band, an optical head-mounted display (e.g., a virtual reality headset, smart glasses, or the like), an HDMI or other electronic display dongle, a personal digital assistant, and/or another computing device comprising a processor (e.g., a central processing unit (CPU), a processor core, a field programmable gate array (FPGA) or other programmable logic, an application specific integrated circuit (ASIC), a controller, a microcontroller, and/or another semiconductor integrated circuit device), a volatile memory, and/or a non-volatile storage medium. In certain embodiments, the hardware computing devices  102  are in communication with one or more servers  108  of one or more third-party service providers  108  and/or one or more backend servers  110  via a data network  106 , described below. The hardware computing devices  102 , in a further embodiment, are capable of executing various programs  114 , program code  114 , applications  114 , instructions  114 , functions  114 , or the like. 
     In one embodiment, a verification module  104  is configured to determine and/or receive a user&#39;s electronic credentials (e.g., username and password, fingerprint scan, retinal scan, digital certificate, personal identification number (PIN), challenge response, access token, hardware token, software token, DNA sequence, signature, facial recognition, voice pattern recognition, bio-electric signals, two-factor authentication credentials, or the like) for one or more third-party service providers  108 , for one or more core processing systems  122   a - n , for an application  114 , for a verification module  104 , or the like. The verification module  104 , in certain embodiments, accesses a server  108  of a third-party service provider  108 , a core processing system  122   a - n , or the like using a user&#39;s electronic credentials to download data associated with the user, such as a user&#39;s photos, a user&#39;s social media posts, a user&#39;s medical records, a user&#39;s financial transaction records or other financial data, and/or other data associated with and/or owned by a user but stored by a server  108  and/or core processing system  122   a - n  of a third-party service provider  108  (e.g., stored by hardware not owned, maintained, and/or controlled by the user). The verification module  104 , in various embodiments, may provide the downloaded data to the user locally (e.g., displaying the data from an application  114  to an electronic display screen of a hardware computing device  102 ); may provide the downloaded data from the hardware computing device  102  of the user to and/or package the data for an intermediary  110  or other remote server  110  (e.g., a backend verification module  104 ) or other remote device (e.g., another hardware computing device  102  of the user, a hardware computing device  102  of a different user, or the like) which may be unaffiliated with the third-party service provider  108 ; may provide one or more alerts, messages, advertisements, or other communications to the user (e.g., from an application  114  on a hardware computing device  102 ) based on the downloaded data; or the like. 
     In certain embodiments, the system  100 ,  120  includes a plurality of verification modules  104  disposed, located, and/or in communication with different third-party service providers  108   a - n , each in communication with one or more intermediaries  110  or other hardware server computing devices  110  which may communicate data from the verification modules  104  to users via the applications  114  and/or other data recipients  114 . The plurality of verification modules  104  may execute across multiple hardware computing devices, may be geographically dispersed and using different IP addresses, and/or may download and/or aggregating data (e.g., photos, social media posts, medical records, financial transaction records, other financial data, and/or other user data) separately for different third-party service providers  108  (e.g., a financial institution, bank, credit union, and/or other online banking provider; a social media site; a medical provider; a photo hosting site; or the like). 
     In one embodiment, at least a portion of a verification module  104  may be integrated with or otherwise part of another application executing on a hardware computing device  102 , such as a personal financial management application (e.g., computer executable code for displaying a user&#39;s financial transactions from multiple financial institutions, determining and/or displaying a user&#39;s financial budgets and/or financial goals, determining and/or displaying a user&#39;s account balances, determining and/or displaying a user&#39;s net worth, or the like), a photo viewer, a medical application, an insurance application, an accounting application, a social media application, or the like, which may use data the verification module  104  downloads from a server  108  of a third-party service provider  108 . 
     The one or more verification modules  104 , in certain embodiments, may provide an interface (e.g., an application programming interface (API), a graphical user interface of an application  114 , or the like) to provide downloaded and/or aggregated user data from servers  108 , core processing systems  122   a - n , or the like of one or more third-party service providers  108  to one or more other entities (e.g., an application  114  or other data recipient entity, a remote server  110  or other hardware computing device  102  unaffiliated with the third-party service provider  108 , or the like). The interface, in one embodiment, comprises a private interface between applications  114  executing on users&#39; hardware computing devices  102  and one or more verification modules  104 . In another embodiment, the interface comprises a public and/or open interface, which may be secured, allowing a user to share the user&#39;s downloaded data from a verification module  104  to one or more other tools, services, and/or other entities to store, process, and/or otherwise use the data. 
     In various embodiments, a verification module  104  and/or a datapath module  112  may be embodied as hardware, software, or some combination of hardware and software. In one embodiment, a verification module  104  and/or a datapath module  112  may comprise executable program code stored on a non-transitory computer readable storage medium for execution on a processor of a hardware server computing device  108 ,  110 , or the like. For example, a verification module  104  and/or a datapath module  112  may be embodied as executable program code executing on one or more of a hardware computing device  102 , a hardware server computing device  108 ,  110 , a combination of one or more of the foregoing, or the like. In such an embodiment, the various modules that perform the operations of a verification module  104  and/or a datapath module  112 , as described below, may be located on a hardware computing device  102 , a hardware server computing device  108 ,  110 , a combination thereof, or the like. 
     In various embodiments, a verification module  104  and/or a datapath module  112  may be embodied as a hardware appliance that can be installed or deployed on a backend server  108 ,  110 , on a user&#39;s hardware computing device  102  (e.g., a dongle, a protective case for a phone  102  or tablet  102  that includes one or more semiconductor integrated circuit devices within the case in communication with the phone  102  or tablet  102  wirelessly and/or over a data port such as USB or a proprietary communications port, or another peripheral device), or elsewhere on the data network  106  and/or collocated with a server  108 ,  110  and/or a user&#39;s hardware computing device  102 . In certain embodiments, a verification module  104  and/or a datapath module  112  may comprise a hardware computing device such as a secure hardware dongle or other hardware appliance device (e.g., a set-top box, a network appliance, or the like) that attaches to another hardware computing device  102 ,  108 ,  110 , such as a laptop computer, a server, a tablet computer, a smart phone, or the like, either by a wired connection (e.g., a USB connection) or a wireless connection (e.g., Bluetooth®, Wi-Fi®, near-field communication (NFC), or the like); that attaches to an electronic display device (e.g., a television or monitor using an HDMI port, a DisplayPort port, a Mini DisplayPort port, VGA port, DVI port, or the like); that operates substantially independently on a data network  106 ; or the like. A hardware appliance of a verification module  104  and/or of a datapath module  112  may comprise a power interface, a wired and/or wireless network interface, a graphical interface (e.g., a graphics card and/or GPU with one or more display ports) that outputs to a display device, and/or a semiconductor integrated circuit device as described below, configured to perform the functions described herein with regard to a verification module  104  and/or a datapath module  112 . 
     A verification module  104  and/or a datapath module  112 , in such an embodiment, may comprise a semiconductor integrated circuit device (e.g., one or more chips, die, or other discrete logic hardware), or the like, such as a field-programmable gate array (FPGA) or other programmable logic, firmware for an FPGA or other programmable logic, microcode for execution on a microcontroller, an application-specific integrated circuit (ASIC), a processor, a processor core, or the like. In one embodiment, a verification module  104  and/or a datapath module  112  may be mounted on a printed circuit board with one or more electrical lines or connections (e.g., to volatile memory, a non-volatile storage medium, a network interface, a peripheral device, a graphical/display interface. The hardware appliance may include one or more pins, pads, or other electrical connections configured to send and receive data (e.g., in communication with one or more electrical lines of a printed circuit board or the like), and one or more hardware circuits and/or other electrical circuits configured to perform various functions of a verification module  104  and/or a datapath module  112 . 
     The semiconductor integrated circuit device or other hardware appliance of a verification module  104  and/or a datapath module  112 , in certain embodiments, comprises and/or is communicatively coupled to one or more volatile memory media, which may include but is not limited to: random access memory (RAM), dynamic RAM (DRAM), cache, or the like. In one embodiment, the semiconductor integrated circuit device or other hardware appliance of a verification module  104  and/or a datapath module  112  comprises and/or is communicatively coupled to one or more non-volatile memory media, which may include but is not limited to: NAND flash memory, NOR flash memory, nano random access memory (nano RAM or NRAM), nanocrystal wire-based memory, silicon-oxide based sub-10 nanometer process memory, graphene memory, Silicon-Oxide-Nitride-Oxide-Silicon (SONOS), resistive RAM (RRAM), programmable metallization cell (PMC), conductive-bridging RAM (CBRAM), magneto-resistive RAM (MRAM), dynamic RAM (DRAM), phase change RAM (PRAM or PCM), magnetic storage media (e.g., hard disk, tape), optical storage media, or the like. 
     The data network  106 , in one embodiment, includes a digital communication network that transmits digital communications. The data network  106  may include a wireless network, such as a wireless cellular network, a local wireless network, such as a Wi-Fi network, a Bluetooth® network, a near-field communication (NFC) network, an ad hoc network, or the like. The data network  106  may include a wide area network (WAN), a storage area network (SAN), a local area network (LAN), an optical fiber network, the internet, or other digital communication network. The data network  106  may include two or more networks. The data network  106  may include one or more servers, routers, switches, and/or other networking equipment. The data network  106  may also include one or more computer readable storage media, such as a hard disk drive, an optical drive, non-volatile memory, RAM, or the like. 
     The one or more third-party service providers  108 , in one embodiment, may include one or more network accessible computing systems such as one or more core processing systems  122   a - n , one or more web servers hosting one or more web sites, an enterprise intranet system, an application server, an application programming interface (API) server, an authentication server, or the like. The one or more third-party service providers  108  may include systems related to various institutions or organizations. For example, a third-party service provider  108  may include a system providing electronic access to a financial institution, a university, a government agency, a utility company, an email provider, a social media site, a photo sharing site, a video sharing site, a data storage site, a medical provider, or another entity that stores data associated with a user. A third-party service provider  108  may allow users to create user accounts to upload, view, create, and/or modify data associated with the user. Accordingly, a third-party service provider  108  may include an authorization system, such as a login element or page of a web site, application, or similar front-end, where a user can provide credentials, such as a username/password combination, to access the user&#39;s data. 
     In one embodiment, the one or more backend servers  110  and/or one or more backend verification modules  104  provide central management of networked verification modules  104  and/or datapath modules  112 . For example, the one or more backend verification modules  104  and/or a backend server  110  may store downloaded user data from the verification modules  104  and/or datapath modules  112  centrally, may provide instructions for the verification modules  104  and/or datapath modules  112  to access user data from one or more third-party service providers  108  using tokens or other electronic user credentials, or the like. A backend server  110  may include one or more servers located remotely from the hardware computing devices  102  and/or the one or more third-party service providers  108 . A backend server  110  may include at least a portion of the modules or sub-modules described below with regard to the verification modules  104  of  FIG.  2    and  FIG.  3   , may comprise hardware of a verification module  104  and/or a datapath module  112 , may store executable program code of a verification module  104  and/or a datapath module  112  in one or more non-transitory computer readable storage media, and/or may otherwise perform one or more of the various operations of a verification module  104  and/or a datapath module  112  described herein. 
       FIG.  2    depicts one embodiment of a verification module  104 . In the depicted embodiment, the verification module  104  includes a datapath module  112 , an authentication module  202 , a direct access module  204 , and an interface module  206 . The datapath module  112 , in certain embodiments, may be substantially similar to the datapath module  112  described above with regard to  FIG.  1 A  and  FIG.  1 B . 
     In one embodiment, the authentication module  202  receives a user&#39;s electronic credentials for a third-party service provider  108 , for a core processing system  122   a - n , or the like from the user on a hardware computing device  102  of the user. In embodiments where a verification module  104  comprises hardware (e.g., a semiconductor integrated circuit device such as an FPGA, an ASIC, or the like), the authentication module  202  may comprise dedicated security hardware for storing and/or processing electronic credentials, downloaded data, and/or other sensitive and/or private data, such as a secure cryptoprocessor (e.g., a dedicated computer on a chip or microprocessor embedded in a packaging with one or more physical security measures) which does not output decrypted data to an unsecure bus or storage, which stores cryptographic keys, a secure storage device; a trusted platform module (TPM) such as a TPM chip and/or TPM security device; a secure boot ROM or other type of ROM; an authentication chip; or the like. In another embodiment, the authentication module  202  may store and/or process electronic credentials, downloaded data, and/or other sensitive data in a secure and/or encrypted way using software and/or hardware of a user&#39;s existing hardware computing device  102  (e.g., encrypting data in RAM, NAND, and/or other general purpose storage) with or without dedicated security hardware. 
     In one embodiment, as described above, electronic credentials may comprise one or more of a username and password, fingerprint scan, retinal scan, digital certificate, personal identification number (PIN), challenge response, access token, hardware token, software token, DNA sequence, signature, facial recognition, voice pattern recognition, bio-electric signals, two-factor authentication credentials, or other information whereby the authentication module  202  may authenticate and/or validate an identity of and/or an authorization of a user. 
     The authentication module  202 , in certain embodiments, may receive different credentials from a user for different accounts of the user with different third-party service providers  108  (e.g., different social networks, different photo sharing sites, different financial institutions) so that the verification module  104  may download, aggregate, and/or combine the user&#39;s data from the multiple different third-party service providers  108 . In one embodiment, as described below with regard to the password manager module  306  of  FIG.  3   , the authentication module  202 , instead of and/or in addition to receiving one or more passwords or other electronic credentials from a user, may manage and/or determine one or more passwords or other electronic credentials for a user for one or more third-party service providers  108 . For example, in certain embodiments, the authentication module  202  may receive an initial set of electronic credentials (e.g., a username and a password) from a user for an account of the user with a third-party service provider  108 , and the authentication module  202  may use the initial set of electronic credentials to access the user&#39;s account with the third-party service provider  108  to set a new password, determined by the authentication module  202 . The authentication module  202 , in one embodiment, may determine passwords or other electronic credentials that are more secure than those typically created by and/or memorable to a user (e.g., longer, more numbers, greater variation between capital and lowercase letters, more frequently changed, or the like). 
     In one embodiment, the direct access module  204  accesses one or more servers  108  of one or more third-party service providers  108 , core processing systems  122   a - n , datapath modules  112 , or the like using a user&#39;s electronic credentials from the authentication module  202 . The direct access module  204 , in certain embodiments, downloads data associated with a user (e.g., a user&#39;s social media posts, a user&#39;s photos, a user&#39;s financial transactions or financial account information, or the like) from one or more servers  108  of one or more third-party service providers  108 , from one or more core processing systems  122   a - n , or the like to a hardware computing device  102  of a user and/or to a backend server  110  or other intermediary  110  associated with the direct access module  204 , or the like. 
     In some embodiments, such as if an API or other interface is not available, the direct access module  204  may use a webpage interface of a server  108  of a third-party service provider  108  to access the server  108  using a user&#39;s electronic credentials and/or to download data associated with the user. For example, in certain embodiments, the direct access module  204  may download/load a webpage from a server  108  of a third-party service provider  108 , enter a username and password or other electronic credentials for a user into textboxes in a form on the webpage, submit the username and password or other electronic credentials using a submit button or other interface element of the webpage, and/or otherwise submit electronic credentials using a website to gain authorized access to data on the server  108  associated with the user. As described below, the pattern module  308  may receive and/or provide instructions enabling the direct access module  204  to access a server  108  (e.g., a location or method for submitting electronic credentials, or the like). 
     In response to successfully authenticating with and accessing a server  108  of a third-party service provider  108 , a core processing system  122   a - n , or the like with a user&#39;s electronic credentials, the direct access module  204  may download data associated with the user (e.g., from a user&#39;s account or the like) to a hardware computing device  102  associated with the user, to a backend server  110 , or the like. As described below, in certain embodiments, the pattern module  308  may receive and/or provide instructions enabling the direct access module  204  to download data associated with a user from a server  108  of a third-party service provider  108  (e.g., a URL or other link to a location for the data, a label or other identifier for locating the data within one or more webpages or other data structures, or the like). The direct access module  204 , in certain embodiments, may follow instructions from a pattern module  308  to authenticate and/or access data from one or more webpages from a server  108  in a screen scraping manner, parsing one or more webpages to locate an entry location and/or submit electronic credentials; to locate, download, and/or extract data associated with a user; or the like. 
     In one embodiment, the direct access module  204  sends or otherwise submits electronic credentials and/or receives or otherwise downloads data using an API or other access protocol of a server  108  and/or core processing system  122   a - n  of a third-party service provider  108 . For example, the direct access module  204  may send a request in a format specified by and/or compatible with a server  108  (e.g., an API server  108 ) and/or a core processing system  122   a - n  of a third-party service provider  108 . The sent request may comprise electronic credentials for a user or a portion thereof (e.g., a username and/or a password), a subsequent request may comprise electronic credentials for a user or a portion thereof (e.g., in response to receiving an acknowledgment from the server  108  and/or core processing system  122  for the first request, or the like), and/or the direct access module  204  may use a different access protocol. 
     In response to a request for data from the direct access module  204  (e.g., in response to the direct access module  204  authenticating a user using an access protocol of a server  108  and/or a core processing system  122 ), a server  108  and/or a core processing system  122  of a third-party service provider  108  may send and/or return data associated with a user (e.g., in one or more messages, packets, payloads, as a URL or other pointer to a location from where the direct access module  204  may retrieve the data, to the datapath module  112 , or the like). The direct access module  204 , in various embodiments, may receive data associated with a user directly from a server  108  and/or a core processing system  122  of a third-party service provider  108  over a data network  106 ; may receive a pointer, URL or other link to a location of data associated with a user from a server  108  and/or core processing system  122  of a third-party service provider  108 ; may receive data associated with a user from another entity on a data network  106  (e.g., in response to a request from the server  108  and/or core processing system  122  of the third-party service provider  108  to the other entity or the like); or may otherwise receive data associated with a user according to an access protocol of a third-party service provider  108 . 
     In one embodiment, a third-party service provider  108  provides a direct access module  204  with an API or other access protocol. In a further embodiment, a direct access module  204  may act as a wrapper for and/or a plugin or extension of, an application of a third-party service provider  108  (e.g., a mobile application), and the application may have access to an API or other access protocol of the third-party service provider  108 . In another embodiment, a direct access module  204  may be configured to use an API or other access protocol in a same manner as an application of a third-party service provider  108  (e.g., a mobile application), third-party service, or the like. 
     The direct access module  204 , in certain embodiments, may access different third-party service providers  108  in different manners. For example, a first third-party service provider  108  may grant the direct access module  204  with access to an API or other access protocol, while the direct access module  204  may use a web page interface (e.g., screen scraping) to access and download data from a second third-party service provider  108 , or the like. In one embodiment, a remote backend server  110  may be associated with a first party service provider  110  (e.g., a vendor and/or provider of a verification module  104 ) and the direct access module  204  may download data associated with a user from both the first party service provider  110  and from one or more third-party service providers  108 , aggregating the data together so that the user may access the data in a single interface and/or application. For example, as described below with regard to the interface module  206 , the interface module  206  may provide a user access to the user&#39;s photos from multiple third-party cloud storage providers  108  within a single photo application, may provide a user with access to the user&#39;s personal financial information within a single personal financial management application and/or online banking application, may provide a user with access to posts from multiple social networks within a single social networking application, or the like. 
     The direct access module  204 , in certain embodiments, may store downloaded and/or aggregated data independently from the one or more third-party service providers  108 . For example, the direct access module  204  may store a user&#39;s downloaded and/or aggregated data on a hardware computing device  102  of the user, on a backend server  110  accessible by the user, or the like. In this manner, in certain embodiments, a user may control and/or access the user&#39;s data, even if a third-party service provider  108  closes down or is not available, may use the user&#39;s data in any manner desired by the user even if the use is not supported by a third-party service provider  108 , or the like. 
     The direct access module  204 , in one embodiment, in addition to and/or instead of downloading data from one or more third-party service providers  108 , may upload data to and/or change one or more settings of one or more third-party service providers  108 , in response to user input or the like. For example, in embodiments where the data comprises photos, the direct access module  204  may upload a photo from a hardware computing device  102  of the user to one or more third-party service providers  110  (e.g., a downloaded photo that the user has edited on the hardware computing device  102  or the like). In embodiments where the data comprises social media posts or other content, the direct access module  204  may receive input from a user (e.g., a photo, a textual post, one or more emoji, a video, a document or other file, or the like) and upload the received input to one or more third-party service providers  108  (e.g., social media sites or the like). In embodiments where the data comprises financial transactions or other financial data, the direct access module  204  may schedule a bill pay or other payment or funds transfer, remotely deposit a check (e.g., by uploading photos of the front and/or back of the check, or the like), and/or perform another action. 
     The direct access module  204  may update or change a user&#39;s account information with a third-party service provider  108 , such as an account type or plan, credit card or other payment information associated with an account, a phone number or address or other contact information associated with an account, a password or other electronic credentials for an account, and/or other account information of a user for a third-party service provider  108 . The direct access module  204  may update and/or upload data in a substantially similar manner to that described herein for downloading data (e.g., determining a user&#39;s electronic credentials for a third-party service provider  108 , accessing a server  108  of the third-party service provider  108 , uploading and/or providing data to the third-party service provider  108 , or the like). 
     In one embodiment, the interface module  206  provides a user&#39;s data downloaded by the direct access module  204  to another entity, such as an application  114 , a hardware computing device  102  of a user associated with the downloaded data, a remote server  110  or other remote device  102  unaffiliated with (e.g., not owned by, operated by, controlled by, or the like) the third-party service provider  108  from which the data was downloaded, or the like. For example, the interface module  206  may provide an API or other interface to provide a user&#39;s downloaded and/or aggregated data to an application  114  or other data recipient  114 , to a hardware computing device  102  of the user, to a backend verification module  104 , to a backend server  110 , to a different third-party service provider  108 , to a different/second hardware computing device  102  of the user, or the like (e.g., with consent and/or authorization from the user, at the user&#39;s request, or the like). 
     In certain embodiments, it may be transparent and/or substantially transparent to a user (e.g., not apparent) which hardware computing device  102 ,  110  has downloaded data associated with the user. For example, the interface module  206  may provide downloaded data associated with a user from one hardware computing device  102  of the user to another hardware computing device  102  of the user, from a hardware computing device  102  of the user to a backend server  110  (e.g., from which the user may access the data using a web browser, an application, or the like), from a backend server  110  to a hardware computing device  102  of the user, or the like, allowing the user to access the data from a different location than the location to which the data was downloaded. 
     In certain embodiments, the interface module  206  provides a graphical user interface (GUI) on a hardware computing device  102  of a user (e.g., from an application  114  or the like), and provides downloaded data associated with the user to the user through the GUI (e.g., allowing the user to view the data directly, providing one or more notifications and/or recommendations to the user based on the data, providing one or more tables or charts to the user based on the data, providing a summary of or one or more statistics related to the data, or the like). The interface module  206 , in various embodiments, may provide a GUI to the user from the same hardware computing device  102  to which the data was downloaded, on a different hardware computing device  102  than the hardware computing device  102 ,  110  to which the data was downloaded, or the like. 
     For example, in one embodiment, where the data associated with a user comprises photos, the interface module  206  may provide a photo management interface, a photo editing interface, or the like wherein the user may view and/or otherwise access the user&#39;s downloaded and/or aggregated photos. In a further embodiment, where the data associated with a user comprises the user&#39;s financial transaction history (e.g., purchases and/or other financial transactions downloaded from one or more financial institutions  108  such as banks, credit unions, lenders, or the like), the interface module  206  may provide a personal financial management interface, with a list of transactions, one or more budgets, one or more financial goals, a debt management interface, a net worth interface, and/or another personal financial management interface wherein the user may view the user&#39;s downloaded and/or aggregated financial transaction history, and/or alerts or recommendations based thereon. In another embodiment, where the data associated with a user comprises social media posts, the interface module  206  may provide a GUI comprising a stream, feed, and/or wall of social media posts for the user to view (e.g., downloaded and/or aggregated social media posts from multiple social networks  108 , from different contacts or friends of the user, or the like). 
     The interface module  206 , in certain embodiments, may provide one or more access controls to a user, allowing the user to define which applications  114 , devices  102 , users, third-party service providers  108 , or the like may access which data. For example, the interface module  206  may provide an interface for a user to allow and/or restrict certain applications  114 , certain APIs for third-party services, certain plugins or extensions, certain users, certain hardware computing devices  102 , and/or one or more other entities to access data downloaded for the user from one or more third-party service providers  108  (e.g., with access controls by third-party service provider  108  or other data source, by data type, by entity requesting access, and/or at another granularity). In this manner, the verification module  104 , in certain embodiments, may comprise a local repository of aggregated data, which one or more other applications  114 , devices  102 , and/or services may access and use, with a user&#39;s permission. 
       FIG.  3    depicts another embodiment of a verification module  104 . In the depicted embodiment, the verification module  104  includes a datapath module  112 , an authentication module  202 , a direct access module  204 , and an interface module  206  and further includes a route module  314 , a frequency module  316 , and a test module  318 . The authentication module  202 , in the depicted embodiment, includes a local authentication module  302 , a network authentication module  304 , and a password manager module  306 . The direct access module  204 , in the depicted embodiment, includes a pattern module  308 , an access repair module  310 , and a hierarchy module  312 . 
     In one embodiment, the local authentication module  302  secures and/or authenticates the user&#39;s access to downloaded data, to stored passwords, and/or other data on a user&#39;s hardware computing device  102 , transferred to and/or from a user&#39;s hardware computing device  102 , or the like. For example, the local authentication module  302  may cooperate with one or more security and/or authentication systems of the user&#39;s hardware computing device  102 , such as a PIN, password, fingerprint authentication, facial recognition, or other electronic credentials used by the user to gain access to the hardware computing device  102 . In a further embodiment, the local authentication module  302  may authenticate a user before allowing the interface module  206  to provide the user access to downloaded/aggregated data and/or alerts or other messages. For example, the local authentication module  302  may manage and/or access electronic credentials associated with the verification module  104 , for a user, and may authenticate the user in response to the user accessing an application and/or service of the verification module  104 . 
     In certain embodiments, the local authentication module  302  may encrypt and/or otherwise secure, on a user&#39;s hardware computing device  102 , electronic credentials and/or downloaded data associated with a different user, so that the user may not access data associated with the different user, but the different user may access the data once it is transmitted to a hardware computing device  102  of the different user, to a backend server  110 , or the like. Local authentication modules  302  of different hardware computing devices  102 ,  110  may cooperate to securely transfer data (e.g., one or more electronic credentials, downloaded data, or the like) over the data network  106 , from one hardware computing device  102 ,  110  to another hardware computing device  102 ,  110 . In a further embodiment, the local authentication module  302  may ensure that a user&#39;s electronic credentials and/or downloaded data remain on a single hardware computing device  102  (e.g., are not transmitted on a data network  106 ), in a secure repository or the like, and are not stored on and/or accessible to a backend server  110 , a hardware computing device  102  of another user, or the like. 
     In one embodiment, the network authentication module  304  receives and/or stores a user&#39;s electronic credentials for one or more third-party service providers  108  on a hardware computing device  102  of the user, on a backend server  110 , or the like. The network authentication module  304 , in various embodiments, may receive a user&#39;s electronic credentials from the user, from a hardware computing device  102  of the user, from a backend server  110 , or the like. The network authentication module  304  may cooperate with the direct access module  204  to provide a user&#39;s electronic credentials to a server  108  of a third-party service provider  108  (e.g., the network authentication module  304  may provide electronic credentials to the direct access module  204  to provide to a server  108 , the network authentication module  304  may provide electronic credentials directly to a server  108 , or the like). 
     The network authentication module  304 , in certain embodiments, may cooperate with the local authentication module  302  to encrypt and/or otherwise secure a user&#39;s electronic credentials for one or more third-party service providers  108 , on a hardware computing device  102  of a user, on a data network  106 , on a hardware computing device  102  of a different user, on a backend server  110 , while being provided to a server  108  of a third-party service provider  108 , or the like. In a further embodiment, the network authentication module  304  ensures that a user&#39;s electronic credentials are only stored on a user&#39;s hardware computing device  102  and sent from the user&#39;s hardware computing device  102  to a server  108  of a third-party service provider  108 , and does not store a user&#39;s electronic credentials on a backend server  110 , on a different user&#39;s hardware computing device  102 , or the like. In another embodiment, the network authentication module  304  may securely store (e.g., using secure encryption) a user&#39;s electronic credentials for a third-party service provider  108  on a backend server  110 , on a different user&#39;s hardware computing device  102 , or the like, so that a direct access module  204  may access and/or download data associated with the user, even if the hardware computing device  102  of the user is unavailable, blocked, or the like, as described below with regard to the route module  314 . In certain embodiments, whether the network authentication module  304  and/or the local authentication module  302  allow electronic credentials to be sent to and/or stored by a different user&#39;s hardware computing device  102 , a backend server  110 , or the like may be based on a setting defined based on user input, so that the user may decide a level of security, or the like. 
     In one embodiment, the password manager module  306  may manage and/or store electronic credentials of a user for a plurality of third-party service providers  108 , so that the direct access module  204  may access and/or download data associated with the user from each of the plurality of third-party service providers  108 . The password manager module  306 , in certain embodiments, may generate and/or otherwise manage different, secure, credentials for each of a plurality of third-party service providers  108 . 
     The password manager module  306 , in one embodiment, may securely store generated credentials for a user on a hardware computing device  102  of the user, so that the user does not have to remember and enter the generated electronic credentials. For example, in addition to allowing a direct access module  204  to access a third-party service provider  108  using generated electronic credentials, the password manager module  306  may automatically populate one or more interface elements of a form on a webpage with electronic credentials (e.g., a username, a password) of the user, in response to the user visiting the web page in a web browser, or the like, without the user manually entering the electronic credentials. The password manager module  306 , in certain embodiments, may periodically update (e.g., regenerate different credentials, such as a different password, and update the user&#39;s account with the third-party service provider  108  with the regenerated different credentials) electronic credentials for a user, such as every week, every month, every two months, every three months, every four months, every five months, every six months, every year, every two years, in response to a user request, in response to a request from a third-party service provider  108 , and/or over another time period or in response to another periodic trigger. 
     The password manager module  306 , in one embodiment, may synchronize a user&#39;s electronic credentials (e.g., provided by the user, generated by the password manager module  306 , or the like) across different hardware computing devices  102 , web browsers, or the like of a user. For example, in response to a password manager module  306  and/or the user updating or otherwise changing electronic credentials, the password manager module  306  may propagate the update/change to one or more other password manager modules  306 , on different hardware computing devices  102  of the user, or the like. 
     In one embodiment, the pattern module  308  determines an ordered list (e.g., a pattern, a script, or the like) of multiple locations on one or more servers  108  of a third-party service provider  108  for the direct access module  204  to access the server (e.g., which may include locations other than where the data of the user is stored and/or accessible), one or more delays for the direct access module  204  to wait between accessing locations on the server  108 , and/or other components of an access pattern for accessing data of a server. Locations, in certain embodiments, comprise independently addressable and/or accessible content and/or assets provided by one or more servers of a third-party service provider  108 , or the like, such as webpages, portions of a webpage, images or other data files, databases or other data stores, pages or sections of a mobile application, or the like. The pattern module  308 , in one embodiment, determines a pattern/ordered list that contains one or more locations and/or delays that are not necessary for the direct access module  204  to access or use in order to download desired data, but instead, the pattern/ordered list may make it difficult or impossible for the third-party service provider  108  to distinguish between the direct access module  204  accessing a server of the third-party service provider  108  and a user accessing the server of the third-party service provider. 
     The pattern module  308 , in one embodiment, may determine and/or select the multiple locations and/or the one or more delays (e.g., a pattern/ordered list) based on an average pattern or a combined pattern identified in or based on behavior of multiple users accessing a third-party service provider  108  using a web browser, a mobile application, or the like. The pattern module  308 , in one embodiment, may monitor one or more users (e.g., for a predetermined period of time or the like) as they access a server of a third-party service provider  108 , tracking which links, data, webpages, and/or other locations the one or more users access, how long the one or more users access different locations, an order in which the one or more users access locations, or the like. In certain embodiments, the one or more monitored users may be volunteers, who have provided the pattern module  308  with authorization to temporarily or permanently monitor the users&#39; access, in order to provide a more realistic access pattern for the direct access module  204  to use to access a server of a third-party service provider  108 . 
     In a further embodiment, the pattern module  308  determines and/or selects multiple locations and/or one or more delays between accessing different locations based on a pattern identified in behavior of the user associated with the hardware computing device  102  on which the pattern module  308  is disposed, accessing the third-party service using a web browser, a mobile or desktop application, or other interface of the user&#39;s hardware computing device  102 . For example, the pattern module  308  may comprise network hardware of the user&#39;s hardware computing device  102  (e.g., a network access card and/or chip, a processor, an FPGA, an ASIC, or the like in communication with the data network  106  to monitor data and/or interactions with a server of a third-party service provider  108 ), a web browser plugin or extension, a mobile and/or desktop application executing on a processor of the user&#39;s hardware computing device  102 , or the like. The pattern module  308  may request and receive authorization from the user to monitor the user&#39;s activity with regard to one or more servers of one or more third-party service providers  108  from the user&#39;s hardware computing device  102 . 
     The pattern module  308 , in certain embodiments, may update a pattern/ordered list over time, based on detected changes in access patterns of one or more users or the like. In one embodiment, the pattern module  308  may coordinate and/or cooperate with the access repair module  310 , described below, to update a pattern/ordered list in response to a server  108  of a third-party service provider  108  and/or data associated with a user becoming broken and/or inaccessible. 
     In one embodiment, the access repair module  310  detects that access to a server  108  of a third-party service  108  and/or data associated with a user is broken and/or becomes inaccessible. The access repair module  310 , in certain embodiments, provides an interface to a user allowing the user to graphically identify an input location for the user&#39;s electronic credentials, a location of data associated with the user, or the like. For example, the access repair module  310  may provide a GUI, a command line interface (CLI), an API, and/or another interface allowing an end user to identify an input location for electronic credentials, an action for submitting electronic credentials, a location of data, or the like. The access repair module  310 , in one embodiment, provides an interface to a user on a hardware computing device  102  of the user. 
     In certain embodiments, for example, the access repair module  310  may overlay an interface over one or more pages of a website of a third-party service provider  108  on an electronic display screen of a user&#39;s hardware computing device  102 , as described in greater detail below with regard to  FIGS.  5 A- 5 B . The access repair module  310  may provide one or more interfaces (e.g., GUIs, CLIs, APIs, overlays, or the like) to multiple users, allowing multiple users to define a repair and/or update for access to a server of a third-party service provider  108  (e.g., in a distributed and/or decentralized manner, from different hardware computing devices  102  or the like over a network  106 ). 
     The access repair module  310 , in certain embodiments, may determine and/or display one or more suggestions  504  and/or recommendations  504  for the user, which the user may either confirm or change/correct (e.g., in a basic interface, a standard interface, a beginning user interface, or the like). For example, the access repair module  310  may display one or more interface elements with a suggested location for a user to enter a user name, a suggested location for a user to enter a password, a suggested credential submit action, a suggested location of data associated with the user, and/or one or more other interface elements allowing a user to graphically identify one or more locations within a website of a third-party service provider  108 . 
     The access repair module  310 , in certain embodiments, processes one or more pages of and/or other locations on a server  108  (e.g., one or more websites, web apps, or the like) to determine an estimate and/or prediction of an input location for a user&#39;s electronic credentials, an action for submitting a user&#39;s electronic credentials, a location of data associated with a user, or the like. In one embodiment, the access repair module  310  may estimate one or more locations and/or actions (e.g., by scanning and/or parsing one or more pages of a website, based on input from other users accessing one or more pages of a website, based on previous interactions of the user with one or more pages of a website, a prediction made using a machine learning and/or artificial intelligence analysis of a website, based on a statistical analysis of historical changes to one or more pages of a website and/or of one or more similar websites, or the like). The access repair module  310  may display to a user in an interface an estimate and/or prediction of an input location for the user&#39;s electronic credentials, a location of data associated with the user, or the like so that the user may confirm whether or not the estimate and/or prediction is correct using the interface. 
     The access repair module  310  may indicate one or more estimated locations and/or actions with an arrow or other pointer to a location; a link or other identifier of a location; a box or other highlighting around a location; by altering text labeling for a location to make the text bold, italic, and/or underlined; or the like. A user, in certain embodiments, may click, select, or otherwise identify a location to either confirm or change/correct a location suggested by the access repair module  310 . For example, a user may click or otherwise select an interface element associated with a location and/or action and may click or otherwise select the location and/or perform the action, which the access repair module  310  may record (e.g., automatically populating a text field identifying the location and/or action, recording a macro allowing the action to be automatically repeated without the user, for a different user, or the like). 
     In certain embodiments, instead of or in addition to a standard, basic, or beginning user interface, the access repair module  310  may provide an advanced interface, for experienced users or the like, with source code of a website and/or other details of the website. For example, in one embodiment, an advanced access repair interface may allow one or more advanced users to identify one or more locations and/or actions within source code of a website, which may not be visible and/or readily apparent in the website itself. In certain embodiments, the access repair module  310  may provide a user interface element allowing a user to select and/or toggle between a standard user interface or view and an advanced user interface or view. 
     In one embodiment, the test module  318  cooperates with the access repair module  310  to verify whether or not one or more received locations and/or instructions from a user are accurate (e.g., usable to access data from a server of a third-party service provider  108 ). The test module  318 , in certain embodiments, attempts to access a server  108  of a third-party service provider  108  for a plurality of different users (e.g., a sample group or test set), based on an identification the access repair module  310  received from a single user, using electronic credentials of the different users or the like. 
     The test module  318 , in certain embodiments, determines whether data associated with the different users (e.g., a sample group or test set) is accessible using the identification from the single user. The test module  318  may repeatedly attempt to access data from a third-party service provider  108  using identifications which the access repair module  310  received from different users (e.g., on different hardware computing devices  102  and sent to the test module  318  on a single hardware computing device  102  over the data network  106 , sent to multiple test modules  318  on different hardware computing devices  102  over the data network  106 , sent to a test module  318  on a central backend server  110 , or the like). 
     The test module  318 , in one embodiment, provides one or more identifications from a user to other instances of the direct access module  204  (e.g., other test modules  318 ) for accessing a server  108  of a third-party service provider  108  in response to an amount of the different users (e.g., a sample group or test set) for which data is accessible using the identification from the single user satisfying a threshold. For example, if the identification from the single user successfully allows a predefined number of other test users (e.g., 2 users, 10 users, 100 users, 1000 users, 50% of test users, 75% of test users, and/or another predefined threshold number of test users) to access their data from a third-party service provider  108 , the test module  318  may provide instructions based on the identification to more users (e.g., all or substantially all users, or the like). 
     In certain embodiments, the test module  318  may successively increase a test size comprising a number of users to which the test module  318  provides instructions for accessing their data from a third-party service provider  108  using an identification from a single user (e.g., starting with one or more test users, increasing to two or more, three or more, four or more, five or more, ten or more, twenty or more, thirty or more, forty or more, fifty or more, one hundred or more, five hundred or more, one thousand or more, five thousand or more, ten thousand or more, one hundred thousand or more, a million or more, and/or other successively increasing numbers of test users). The test module  318 , in one embodiment, includes instructions based on an identification from a single user in an ordered list of multiple different sets of instructions for accessing a server  108  of a third-party service provider  108 , as described in greater detail below with regard to the hierarchy module  312 . 
     The test module  318 , in certain embodiments, is configured to prioritize identifications from one or more users based on one or more trust factors for the one or more users (e.g., scores or the like). A trust factor, in one embodiment, may comprise a score or other metadata indicating a likelihood that a user&#39;s identification is correct. For example, in various embodiments, a trust factor may include and/or be based on one or more of a history of a user&#39;s previous identifications (e.g., correct or incorrect), a user&#39;s affiliation with a provider (e.g., a creator, a vendor, an owner, a seller, a reseller, a manufacturer, the backend server  110 , or the like) of the one or more verification modules  104 , positive and/or negative indicators (e.g., votes, likes, uses, feedback, stars, endorsements, or the like) from other users, and/or other indicators of whether or not a user&#39;s identification is likely to be correct. The test module  318  may determine how many other users to provide a user&#39;s identification based on one or more trust factors associated with the user (e.g., accelerating a rate at which a user&#39;s identification is provided to other users in response to a higher trust factor, decreasing a rate at which a user&#39;s identification is provided to other users in response to a lower trust factor, or the like). 
     The test module  318  may provide an override interface, allowing an administrator, moderator user, or the like to remove an identification, adjust and/or override an identification, adjust and/or override a trust factor for a user, ban a user from providing identifications, and/or otherwise override a user or a user&#39;s identification. In various embodiments, the test module  318  may provide an override interface to an administrator and/or moderator as a GUI, an API, a CLI, or the like. 
     In certain embodiments, the test module  318  causes the one or more verification modules  104  and their aggregation services to be self healing, self testing, and/or self incrementally deploying, as it tests and uses the most effective solutions, or the like (e.g., sets of instructions based on indications from one or more users). 
     In one embodiment, the hierarchy module  312  provides the direct access module  204  with an ordered list of multiple different sets of instructions for accessing a server  108  of a third-party service provider  108  using a user&#39;s electronic credentials, for downloading data associated with the user, or the like. Each different set of instructions, in certain embodiments, comprises a location for entering a user&#39;s electronic credentials, an instruction for submitting the user&#39;s electronic credentials, one or more locations of the data associated with the user, or the like. 
     The hierarchy module  312 , in one embodiment, may receive one or more sets of instructions from a backend server  110  (e.g., a backend verification module  104  of a backend server  110 ), from another user hardware computing device  102  in a peer-to-peer manner (e.g., a verification module  104  of a user hardware computing device  102 ), from a test module  318 , or the like. The hierarchy module  312 , in certain embodiments, may receive multiple different sets of instructions already in an ordered list (e.g., a global hierarchical order) based on a history of successful and/or unsuccessful uses of the different sets of instructions by different user hardware computing devices  102  and/or users, or the like. In one embodiment, the hierarchy module  312  may determine a hierarchy for and/or create an ordered list from multiple different sets of instructions for a single user (e.g., a custom or individualized hierarchy) based on a history of successful and/or unsuccessful uses of the different sets of instructions by the user (e.g., from one or more hardware computing devices  102  of the user). 
     The direct access module  104 , in one embodiment, may iterate through an ordered list of multiple sets of instructions for accessing a server  108  of a third-party service provider  108 , in the order of the list, until one of the sets of instructions is successful and the direct access module  104  is able to access and/or download data from the third-party service provider  108 . The hierarchy module  312 , in one embodiment, may place a most recent successfully used set of instructions at the top (e.g., as the first set to try). For example, the hierarchy module  312  for a user&#39;s hardware computing device  102  may place a set of instructions for accessing a third-party service provider  108  at the top of a list (e.g., adjusting an order of the list over time) in response to the direct access module  204  successfully accessing and/or downloading data from the third-party service provider  108  using the set of instructions. In certain embodiments, the hierarchy module  312  may receive an ordered list of multiple different sets of instructions for accessing a server  108  of a third-party service provider  108  in a first order (e.g., a global order) and may dynamically adjust and/or rearrange the different sets of instructions over time based on a single user&#39;s/hardware computing device  102 &#39;s use (e.g., moving a set of instructions up in the list if access using the set of instructions is successful for the user/hardware computing device  102 , moving a set of instructions down in the list if access using the set of instructions is unsuccessful for the user/hardware computing device  102 , or the like). 
     The hierarchy module  312 , in certain embodiments, may be configured to share one or more sets of instructions, an ordered list of multiple sets of instructions, or the like with a hierarchy module  312  of another user&#39;s hardware computing device  102  over a data network  106  (e.g., directly to the other user&#39;s hardware computing device  102  in a peer-to-peer manner, indirectly by way of a backend verification module  104  of a backend server  110 , or the like). Different sets of instructions may be successful or unsuccessful for different users, in various embodiments, due to different account types, different account settings, different originating systems (e.g., due to a corporate acquisition or the like, different users of the same third-party service provider  108  may have one or more different settings, different access methods, or the like), system changes or upgrades, and/or another difference in accounts, services, or the like for different users of the same third-party service provider  108 . 
     In one embodiment, the route module  314  determines whether a hardware computing device  102  of a user is available for the direct access module  204  to download data associated with the user from a server  108  of a third-party service provider  108 . The route module  314 , in certain embodiments, may access a server  108  of a third-party service provider  108 , from a remote backend server  110 , using the user&#39;s electronic credentials, to download data associated with the user from the server  108  to the remote backend server  110  in response to the route module  314  determining that the hardware computing device  102  of the user is unavailable. The route module  314 , in one embodiment, provides a user one or more alerts (e.g., downloaded data from a third-party service provider  108 , a recommendation or suggestion determined based on data from a third-party service provider  108 , a notification or other alert based on an event or other trigger detected in data from a third-party service provider  108 , or the like) on a hardware computing device  102  of the user based on the data associated with the user downloaded to the remote backend server  110 . 
     In certain embodiments, the route module  314  maintains and/or stores a list of multiple hardware computing devices  102  associated with a single user and/or account. In response to determining that one hardware computing device  102  associated with a user and/or account is unavailable (e.g., powered down, in airplane mode, not connected to the data network  106 , or the like), the route module  314  may access a server  108  of a third-party service provider  108  from a different, available hardware computing device  102  of the user and/or account, may provide one or more notifications or other alerts on a different, available hardware computing device  102 , or the like. The route module  314 , in various embodiments as described below with regard to  FIGS.  4 A- 4 C , may dynamically route downloading of data for a user from a third-party service provider  108  between multiple hardware computing devices, such as one or more hardware computing devices  102  of the user, one or more hardware computing devices  102  of a different user, one or more backend servers  110 , and/or another hardware computing device, in a secure manner. 
     The route module  314 , in one embodiment, may alternate or rotate between multiple hardware computing devices  102 ,  110  (e.g., of the same user, of different users, or the like) for downloading data for the same user from a third-party service provider  108  periodically. For example, rotating and/or alternating devices  102 ,  110  from which data is downloaded, may decrease a likelihood that the downloading will be misinterpreted as fraudulent or improper. In another embodiment, the route module  314  may download data from the same device  102 ,  110  (e.g., a primary hardware computing device  102  of a user, a backend server  110 , or the like), which may be authorized and/or identified by the third-party service provider  108  as a trusted device, or the like. 
     In one embodiment, the frequency module  316  sets a frequency with which the direct access module  204  accesses the server  108  of a third-party service provider  108 . The frequency module  316 , in certain embodiments, determines a frequency based on input from a remote backend server  110 , which may be unaffiliated with the third-party service provider  108  being accessed, so that the remote backend server  110  (e.g., the frequency module  316  executing on the remote backend server  110 ) determines frequencies for a plurality of direct access modules  204  for different users and/or different hardware computing devices  102 . For example, the frequency module  316  may limit a single user and/or hardware computing device  102  from accessing the same third-party service provider  108  more than an allowed threshold number of times within a time period (e.g., once every ten minutes, once every half an hour, once every hour, twice a day, three times a day, four times a day, or the like). The frequency module  316 , in certain embodiments, limits an access frequency to prevent inadvertent denial of service by a third-party service provider  108 , or the like. 
     The frequency module  316 , in certain embodiments, may dynamically adjust a frequency with which a user and/or hardware computing device  102  may access a third-party service provider  108  over time. For example, the frequency module  316  may monitor access and/or downloads by multiple users (e.g., all users, available users, active users, or the like) to cap or limit a total access and/or download bandwidth for each of the different third-party service providers  108  (e.g., so as not to overwhelm any single third-party service provider  108 , or the like). In this manner, in one embodiment, a user and/or hardware computing device  102  may access and/or download data with a higher frequency when fewer other users and/or hardware computing devices  102  are accessing and/or downloading data (e.g., low peak times), but may be limited to a lower cap or access frequency when more other users and/or hardware computing devices  102  are accessing and/or downloading data (e.g., high peak times). 
     In a further embodiment, the frequency module  316  determines a frequency based on input from a user, allowing the user to set the access frequency independently of other users and/or of a backend server  110 . The frequency module  316  may provide a user interface (e.g., a GUI, CLI, API, or the like) allowing a user to set and/or adjust an access frequency for downloading data from one or more third-party service providers  108  using one or more hardware computing devices  102  (e.g., providing different settings allowing the user to set different access frequencies for different third-party service providers  108 , different hardware computing devices  102  of the user, or the like). 
       FIG.  4    depicts one embodiment of a method  400  for transaction based fraud detection. The method  400  begins and a verification module  104  receives  402 , over an application programming interface, an electronic request to perform an action for a user. For example, in various embodiments, an action may include opening a new account for a user, transferring funds and/or making a payment to an account for a user, transferring funds and/or making a payment from an account for a user, aggregating one or more transactions from an account for a user, scheduling bill-pay and/or another recurring payment from an account for a user, or the like. 
     A verification module  104  electronically accesses  404  one or more attributes of an account for a user (e.g., an age of an account, a balance of an account, a frequency of transactions for an account, a number of transactions for an account, a monetary amount of one or more transactions for an account, a total monetary amount of transactions for an account, an average monetary amount of transactions for an account, a date of a most recent transaction for an account, a date of an oldest deposit for an account, a date of a most recent deposit for an account, a monetary amount of a deposit for an account, a type of an account, a role of a user for an account, identity data for a user of an account, or the like). A verification module  104  selectively performs  406  the action for the user based on the one or more attributes of the account, and the method  400  ends. 
       FIG.  5    depicts one embodiment of a method  500  for transaction based fraud detection. The method  500  begins and a verification module  104  determines  502  whether an electronic request to perform an action for a user has been received (e.g., by monitoring an API or other interface, by receiving a notification or other indication that a request has been received, or the like). 
     In response to determining  502  that a request to perform an action for a user has been received, a verification module  104  electronically accesses  504  one or more attributes of an account for the user. A verification module  104  determines  506  a confidence score indicating a likelihood that the account is fraudulent based on the one or more attributes of the account. A verification module  104  provides  508  the confidence score to a client that submitted the electronic request (e.g, over the API, in a GUI, in another message, or the like). 
     A verification module  104  determines  510  whether the confidence score indicates fraud (e.g., satisfies a predefined fraud threshold, or the like). In response to determining  510  the confidence score does not indicate fraud, a verification module  104  performs  512  the action for the user (e.g., based on the confidence score and the one or more attributes of the account failing to indicate fraud, or the like) and the verification module  104  continues to monitor  502  for subsequent requests. In response to determining  510  the confidence score indicates fraud, a verification module  104  does not perform the requested action and continues to monitor  502  for subsequent requests. 
     A means for receiving, over an application programming interface, an electronic request to perform an action for a user, in various embodiments, may include one or more of a hardware computing device  102 ,  108 ,  110 , a backend server  110 , a verification module  104 , a datapath module  112 , a core processing system  122   a - n , a data network  106 , an API, a CLI, a GUI, a network interface, a volatile memory, a non-transitory computer readable storage medium, a processor (e.g., a central processing unit (CPU), a processor core, a field programmable gate array (FPGA) or other programmable logic, an application specific integrated circuit (ASIC), a controller, a microcontroller, and/or another semiconductor integrated circuit device), a hardware appliance or other hardware computing device, other logic hardware, an application  114 , and/or other executable code stored on a computer readable storage medium. Other embodiments may include similar or equivalent means for receiving, over an application programming interface, an electronic request to perform an action for a user. 
     A means for electronically accessing one or more attributes of an account for a user, in various embodiments, may include one or more of a hardware computing device  102 ,  108 ,  110 , a backend server  110 , a verification module  104 , a datapath module  112 , a core processing system  122   a - n , a data network  106 , an API, a CLI, a GUI, a network interface, a volatile memory, a non-transitory computer readable storage medium, a processor (e.g., a central processing unit (CPU), a processor core, a field programmable gate array (FPGA) or other programmable logic, an application specific integrated circuit (ASIC), a controller, a microcontroller, and/or another semiconductor integrated circuit device), a hardware appliance or other hardware computing device, other logic hardware, an application  114 , and/or other executable code stored on a computer readable storage medium. Other embodiments may include similar or equivalent means for electronically accessing one or more attributes of an account for a user. 
     A means for selectively performing an action for a user based on one or more attributes of an account, in various embodiments, may include one or more of a hardware computing device  102 ,  108 ,  110 , a backend server  110 , a verification module  104 , a datapath module  112 , a core processing system  122   a - n , a data network  106 , an API, a CLI, a GUI, a network interface, a volatile memory, a non-transitory computer readable storage medium, a processor (e.g., a central processing unit (CPU), a processor core, a field programmable gate array (FPGA) or other programmable logic, an application specific integrated circuit (ASIC), a controller, a microcontroller, and/or another semiconductor integrated circuit device), a hardware appliance or other hardware computing device, other logic hardware, an application  114 , and/or other executable code stored on a computer readable storage medium. Other embodiments may include similar or equivalent means for selectively performing an action for a user based on one or more attributes of an account. 
     The present invention may be embodied in other specific forms without departing from its spirit or essential characteristics. The described embodiments are to be considered in all respects only as illustrative and not restrictive. The scope of the invention is, therefore, indicated by the appended claims rather than by the foregoing description. All changes which come within the meaning and range of equivalency of the claims are to be embraced within their scope.