Systems and methods for budget, financial account alerts management, remedial action controls and fraud monitoring

A method comprising:

• receiving, by a central switch computer from a user device of a registered user, a financial account services request;
• transmitting, by the central switch computer to the user device, a prompt to provide user authentication data;
• receiving, by the central switch computer, the user authentication data from the user device;
• validating the user authentication data;
• and
• providing, by the central switch computer to the user device, access to a user dashboard configured to accept registered user input including instructions for the central switch computer to at least one of monitor at least one financial account of the user, transmit an alert to the user device concerning at least one financial account of the user, automatically block a transaction concerning at least one financial account of the user, and automatically initiate a budgeting action concerning at least one financial account of the user;
• said at least one financial account including a bank deposit account, said bank deposit account accessed by the registered user via EFT (electronic funds transfer) transactions initiated by the registered user at payment card account acceptance points.

A method comprising:

• receiving, by a fraud platform, transaction data from at least one of a payment card network and a payment switch/network associated with a financial transaction of a consumer;
• collecting, by the fraud platform, data associated with the financial transaction;
• generating a recommended decision score based on the collected data, the financial transaction data, at least one business rule, and at least one fraud rule;
• and
• transmitting, by the fraud platform, the recommended decision score to the at least one of a payment card network and a payment switch/network for one of transaction denial or transaction authorization;
• said financial transaction funded by an EFT (electronic funds transfer) transaction charged to a deposit bank account of the consumer, and initiated by the consumer at a payment card acceptance point.