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US Patent 11922492 System and method for programmatically accessing financial data

Patent 11922492 was granted and assigned to Plaid, Inc. on March, 2024 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
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Plaid, Inc.
1
Current Assignee
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Plaid, Inc.
1
Patent Jurisdiction
United States Patent and Trademark Office
United States Patent and Trademark Office
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Patent Number
119224921
Patent Inventor Names
Zach Perret1
William Hockey1
Charles Li1
Date of Patent
March 5, 2024
1
Patent Application Number
182422331
Date Filed
September 5, 2023
1
Patent Citations
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US Patent 7200578 Method and system for anonymizing purchase data
1
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US Patent 7263548 Method and apparatus for restructuring of personalized data for transmission from a data network to connected and portable network appliances
1
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US Patent 7275046 Simultaneous real-time access to financial information
1
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US Patent 7340411 System and method for generating, capturing, and managing customer lead information over a computer network
1
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US Patent 7370011 Financial information portal
1
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US Patent 7424520 Method and apparatus for restructuring of personalized data for transmission from a data network to connected and portable network appliances
1
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US Patent 7640210 Financial information portal
1
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US Patent 7752535 Categorization of summarized information
1
...
Patent Primary Examiner
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Asfand M Sheikh
1
CPC Code
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G06F 21/31
1
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G06Q 40/00
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G06Q 40/12
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G06Q 40/02
1
Patent abstract

Systems and methods for programmatic access of external financial service systems. An application proxy instance is created that simulates an application of an external financial service system. A normalized account request is received for financial data of the external financial service system for a specified account. The normalized account request is provided by an external financial application system by using a financial data API of the financial platform system. Responsive to the normalized account request, communication is negotiated with the external financial service system by using the application proxy instance to access the requested financial data from the external financial service system by using a proprietary Application Programming Interface (API) of the external financial service system. The financial data is provided to the external financial application system as a response to the normalized account request.

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