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US Patent 10319029 System and method for programmatically accessing financial data

Patent 10319029 was granted and assigned to Plaid on June, 2019 by the United States Patent and Trademark Office.

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Contents

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
10319029
Patent Inventor Names
Charles Li0
William Hockey0
Zach Perret0
Date of Patent
June 11, 2019
Patent Application Number
15258299
Date Filed
September 7, 2016
Patent Citations
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US Patent 10104059 Secure permissioning of access to user accounts, including secure deauthorization of access to user accounts
0
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US Patent 10003591 Secure permissioning of access to user accounts, including secure deauthorization of access to user accounts
Patent Citations Received
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US Patent 12074880 Secure authorization of access to user accounts by one or more authorization mechanisms
0
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US Patent 11468085 Browser-based aggregation
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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 11514519 System and methods for credit dispute processing, resolution, and reporting
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US Patent 11978114 Report existence monitoring
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US Patent 12021854 Secure permissioning of access to user accounts, including secure deauthorization of access to user accounts
0
0
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US Patent 12067537 System and method for facilitating programmatic verification of transactions
0
...
Patent Primary Examiner
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Asfand M 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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