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US Patent 11216814 System and method for facilitating programmatic verification of transactions

Patent 11216814 was granted and assigned to Plaid on January, 2022 by the United States Patent and Trademark Office.

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Patent abstractTimelineTable: Further ResourcesReferences
Is a
Patent
Patent
1

Patent attributes

Patent Applicant
Plaid
Plaid
1
Current Assignee
Plaid
Plaid
1
Patent Jurisdiction
United States Patent and Trademark Office
United States Patent and Trademark Office
1
Patent Number
112168141
Patent Inventor Names
Zach Perret1
Charles Li1
William Hockey1
Date of Patent
January 4, 2022
1
Patent Application Number
168005431
Date Filed
February 25, 2020
1
Patent Citations Received
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US Patent 12074880 Secure authorization of access to user accounts by one or more authorization mechanisms
2
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US Patent 11503010 Secure permissioning of access to user accounts, including secure deauthorization of access to user accounts
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US Patent 11922492 System and method for programmatically accessing financial data
5
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US Patent 12021854 Secure permissioning of access to user accounts, including secure deauthorization of access to user accounts
6
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7
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US Patent 12067537 System and method for facilitating programmatic verification of transactions
8
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US Patent 12067615 Systems and methods for estimating past and prospective attribute values associated with a user account
9
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US Patent 11468085 Browser-based aggregation
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Patent Primary Examiner
‌
Alexander G Kalinowski
1
Patent abstract

Systems and methods for programmatic access of a financial institution system. A normalized API request provided by an application system specifies user information corresponding to at least one account endpoint of an external financial institution system. Responsive to the request, at least one application proxy instance associated with the normalized API request is used to collect transaction information from a corresponding financial institution system by providing the financial institution system with a proprietary API request that specifies at least account credentials associated with the user information. The transaction information is included in at least one proprietary API response provided by the financial institution system. A normalized API response is generated based on the collected transaction information and provided to the application system. Each application proxy instance is constructed to simulate an application of the corresponding financial institution system on behalf of a user associated with the application proxy instance.

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