US Patent 9692815 Distributed, decentralized data aggregation

Apparatuses, systems, methods, and computer program products are disclosed for distributed and/or decentralized data aggregation. A method includes determining a user's electronic credentials for a plurality of third party service providers. A method includes accessing each of a plurality of third party service providers, from a hardware device associated with a user, using the user's electronic credentials, to download data associated with the user from the third party service providers. A method includes aggregating downloaded data from third party service providers and providing one or more communications to a user on a hardware device based on the aggregated downloaded data.