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US Patent 9449346 System and method for programmatically accessing financial data

Patent 9449346 was granted and assigned to Plaid on September, 2016 by the United States Patent and Trademark Office.

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Patent abstractTimelineTable: Further ResourcesReferences
Is a
Patent
Patent

Patent attributes

Patent Applicant
Plaid
Plaid
Current Assignee
Plaid
Plaid
Patent Jurisdiction
United States Patent and Trademark Office
United States Patent and Trademark Office
Patent Number
9449346
Patent Inventor Names
Charles Li16
William Hockey16
Zach Perret16
Date of Patent
September 20, 2016
Patent Application Number
14790840
Date Filed
July 2, 2015
Patent Citations Received
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US Patent 12126672 Instance backed mobile devices
1
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US Patent 12021854 Secure permissioning of access to user accounts, including secure deauthorization of access to user accounts
2
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3
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US Patent 12067537 System and method for facilitating programmatic verification of transactions
4
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US Patent 12067615 Systems and methods for estimating past and prospective attribute values associated with a user account
5
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US Patent 12074880 Secure authorization of access to user accounts by one or more authorization mechanisms
6
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US Patent 12088687 Hierarchical data exchange management system
7
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US Patent 11763278 Deposit token service system, apparatus and method
...
Patent Primary Examiner
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Asfand Sheikh
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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