公开(公告)号：US20210182850A1

公开(公告)日：2021-06-17

申请号：US17125544

申请日：2020-12-17

Applicant: Plaid Inc.

Inventor： Eric Morse ,  Max Johnson ,  Austin Lin Gibbons ,  Kevin Hu ,  Samir Naik

IPC: G06Q20/38 ,  G06N20/00 ,  G06Q20/40

Abstract: A system and method for assessing digital interactions with a digital third party accounts can include receiving user account credentials for authentication with an external computing system, storing the user account credentials in association with a authentication token and communicating the authentication token to a computing device of an external application service; receiving, through a programmatic communication interface, a request that references the authentication token and digital interaction details; programmatically authenticating, using the stored user account credentials, as a user account with the external computing system and retrieving account data; processing the account data in combination with the digital interaction details and thereby generating a digital interact assessment; and initiating execution of a digital interaction based in part on the digital interaction assessment.

公开(公告)号：US20210081947A1

公开(公告)日：2021-03-18

申请号：US17024332

申请日：2020-09-17

Applicant: Plaid Inc.

Inventor： William Hockey ,  Nick Agin ,  Baker Shogry ,  Samir Naik ,  Jonathan Chao

IPC: G06Q20/40 ,  H04L29/06

Abstract: A system and method for linking to accounts using credential-less authentication that includes: within a first application context at an account-linking computing service: receiving a request to establish an account link, establishing the account link to a user account of an account service using user credentials, and receiving user identifying information of the first application context and storing the user identifying information in association with the account link; and within a second application context at the account-linking computing service: receiving user identifying information of the second application context, searching and identifying a candidate account link using the user identifying information of the second application context, verifying eligibility for access to the account link, and permitting access to the account link upon successful verification of eligibility.