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公开(公告)号：US20240303244A1
公开(公告)日：2024-09-12
申请号：US18179015
申请日：2023-03-06
Applicant: Plaid Inc.
Inventor： Vivek Manoj GANDHI , Jeremy MASON-HERR , Maksim ROZEN
IPC: G06F16/2457 , G06F16/2453 , G06F16/2455 , G06N5/022
CPC classification number: G06F16/24578 , G06F16/24542 , G06F16/24564 , G06N5/022
Abstract: In some implementations, a data aggregator may receive an indication associated with a data record. The data aggregator may apply a model to the indication to generate a prediction regarding when new information associated with the data record will be available. Based on the prediction, the data aggregator may refrain from requesting new information and may schedule a pull for new information associated with the data record for a later time. Additionally, or alternatively, the data aggregator may receive an indication associated with a plurality of data pulls that are associated with a plurality of data records and may receive an indication of a rate limit associated with a host for the plurality of data records. The data aggregator may apply rules to generate a ranking of the plurality of data pulls and may schedule the plurality of data pulls based on the ranking and the rate limit.
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公开(公告)号：US12074880B2
公开(公告)日：2024-08-27
申请号：US17656528
申请日：2022-03-25
Applicant: Plaid Inc.
Inventor： Jason Pate , Paolo Bernasconi , Jan Dudek , Riley Avron , Maxwell Johnson , Sattvik Kansal , William Hockey , Alexis Hidebrandt
CPC classification number: H04L63/102 , G06F9/455 , G06F21/44
Abstract: A permissions management system is disclosed for enabling a user to securely authorize access to user accounts and/or securely authorize execution of transactions related to user accounts via one or more application programming interfaces (“APIs”) and/or one or more authorization mechanisms.
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公开(公告)号：US12067537B2
公开(公告)日：2024-08-20
申请号：US18382152
申请日：2023-10-20
Applicant: Plaid Inc.
Inventor： William Hockey , Zach Perret , Charles Li
CPC classification number: G06Q20/023 , G06Q20/3223 , G06Q20/4014
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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24.发明授权公开(公告)号：US12026704B2
公开(公告)日：2024-07-02
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
CPC classification number: G06Q20/38215 , G06N20/00 , G06Q20/4014 , G06Q20/4016
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.
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公开(公告)号：US11935101B2
公开(公告)日：2024-03-19
申请号：US18194480
申请日：2023-03-31
Applicant: Plaid Inc.
Inventor： John Backus , Faris Toqan
IPC: G06Q30/0601 , G06F3/0482 , G06F8/38
CPC classification number: G06Q30/0609 , G06F3/0482 , G06F8/38
Abstract: In some implementations, a verification system may generate a selector associated with a plurality of countries. The verification system may receive an indication of a selected country from the plurality of countries. Accordingly, the verification system may generate one or more visual regions, where each visual region is associated with a corresponding verification rule and includes at least one pair of visual selectors with a first selector associated with a type of user information and a second selector associated with a type of matching. The verification system may modify the verification rule based on interaction with the at least one pair of visual selectors included in a corresponding visual region of the one or more visual regions.
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Patent Agency Ranking
公开(公告)号：US20240046271A1
公开(公告)日：2024-02-08
申请号：US18382152
申请日：2023-10-20
Applicant: Plaid Inc.
Inventor： William Hockey , Zach Perret , Charles Li
IPC: G06Q20/40
CPC classification number: G06Q20/4014
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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公开(公告)号：US11803660B2
公开(公告)日：2023-10-31
申请号：US17395900
申请日：2021-08-06
Applicant: Plaid Inc.
Inventor： William Hockey , Joy Zheng , Baker Shogry , Michael Kelly
CPC classification number: G06F21/6245 , G06F21/31 , G06Q20/3221 , G06Q40/02 , G06Q40/12 , G06Q40/125 , H04L63/0853 , H04L63/102 , G06F2221/2141
Abstract: A system and method for secure permissioning of access to user accounts, including secure distribution of aggregated user account data can include generating a financial report based on account information associated with one or more user accounts; receiving a financial report request for the financial report of the user account, wherein the financial report request is identified as being received from a third-party system; generating an audit report token associated with the financial report; sharing the audit token with the first third-party system in response to the financial report request; and providing the first third-party system account access to the financial report through the report token, where the audit report token can be shared with a second third-party system and provided by the second third-party system in order to confirm authorization to the report and integrity of the report.
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公开(公告)号：US20220058065A1
公开(公告)日：2022-02-24
申请号：US17405364
申请日：2021-08-18
Applicant: Plaid Inc.
Inventor： William Frederick Kiefer , Michael Brian Jacokes , Jan Maksymilian Dudek , Nathan James Tindall
Abstract: A system and method for cloud management of user interactions on a client device comprising: initiating, in response to an initiation request of a client application, processing of a workflow configuration with an initial session state, wherein the workflow is a data model of a graph of nodes connected with directed edges, where the nodes include a set of node types that includes at least a pane node; iteratively processing the workflow configuration, initially using the initial session state, and thereby generating rendered panes for use in a user interaction flow of a client application, which comprises: following a next edge of the workflow configuration to determine a next workflow node, processing the next workflow node, which comprises, when the next workflow node is a pane node, rendering the pane node into a rendered pane, and sending the rendered panes to the client device.
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29.发明授权公开(公告)号：US10984468B1
公开(公告)日：2021-04-20
申请号：US15160663
申请日：2016-05-20
Applicant: Plaid Inc.
Inventor： William Hockey , Sharon Rapoport
IPC: G06Q40/02 , G06F16/951
Abstract: Systems and techniques are disclosed for accessing accounts associated with a user and estimating a value of an attribute associated with the user based upon the retrieved account information. Transaction data associated with an account at an external user account system is received. The transactions are categorized into transaction groups. For each transaction group, a confidence value that the group is associated with the attribute is estimated, based at least in part upon a distribution of transaction amounts for the transactions of the group over a time period associated with the group. An attribute value is estimated for each group, based at least in part upon the transaction amounts of the transaction of the group. In addition a value of the attribute for a future time period may be predicted based upon the transaction groups.
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30.发明申请公开(公告)号：US20190318122A1
公开(公告)日：2019-10-17
申请号：US16384810
申请日：2019-04-15
Applicant: Plaid Inc.
Inventor： William Hockey , Joy Zheng , Baker Shogry , Michael Kelly
Abstract: A system and method for secure permissioning of access to user accounts, including secure distribution of aggregated user account data can include generating a financial report based on account information associated with one or more user accounts; receiving a financial report request for the financial report of the user account, wherein the financial report request is identified as being received from a third-party system; generating an audit report token associated with the financial report; sharing the audit token with the first third-party system in response to the financial report request; and providing the first third-party system account access to the financial report through the report token, where the audit report token can be shared with a second third-party system and provided by the second third-party system in order to confirm authorization to the report and integrity of the report.
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