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US Patent 12067537 System and method for facilitating programmatic verification of transactions

Patent 12067537 was granted and assigned to Plaid, Inc. on August, 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.
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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
120675371
Patent Inventor Names
Zach Perret1
William Hockey1
Charles Li1
Date of Patent
August 20, 2024
1
Patent Application Number
183821521
Date Filed
October 20, 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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Joseph W. King
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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