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    DATA ENRICHMENT USING PARALLEL SEARCH
    1.
    发明申请
    DATA ENRICHMENT USING PARALLEL SEARCH 有权

    公开(公告)号：US20240394252A1

    公开(公告)日：2024-11-28

    申请号：US18673986

    申请日：2024-05-24

    Applicant: Plaid Inc.

    Inventor： Hansen QIU ,  Jackson CHEN ,  Jian TIAN ,  Josh ISENSTEIN ,  Kelvin DO ,  Nicholas SUNDIN ,  Seyoung KIM ,  Thomas WANG ,  Chaoyi ZHA ,  Yi HONG ,  Zak BENNETT ,  Zhongkun JIN

    IPC: G06F16/2453 ,  G06F16/2458

    Abstract: In some implementations, an enrichment engine may receive a first entry. The enrichment engine may generate a normalized first entry by using subword tokenization of the first entry. The enrichment engine may execute a plurality of searches concurrently, including: a first search configured to map a portion of the normalized first entry to a first result using regular expressions and fuzzy matching, a second search configured to provide the normalized first entry to a machine learning model in order to receive a second result, and a third search configured to map a vectorized version of the normalized first entry to a third result in a vector database. The enrichment engine may determine a selected result from the first result based on the first search, the second result based on the second search, or the third result based on the third search. The enrichment engine may return the selected result.

    INFORMATION PROCESSING DEVICE, INFORMATION PROCESSING METHOD, AND RECORDING MEDIUM
    2.
    发明公开
    INFORMATION PROCESSING DEVICE, INFORMATION PROCESSING METHOD, AND RECORDING MEDIUM 审中-公开

    公开(公告)号：US20240275858A1

    公开(公告)日：2024-08-15

    申请号：US18568699

    申请日：2022-02-02

    Applicant: PLAID, INC.

    Inventor： Yuki MAKINO ,  Takehiko IWAKAWA ,  Masahiro TAKANOHASHI

    IPC: H04L67/50 ,  G06F16/957

    CPC classification number: H04L67/535 ,  G06F16/9577

    Abstract: Conventionally, useful processing cannot be performed using operation information on two or more sites. With an information processing device that includes: an operation information reception unit that receives one or more pieces of first operation information regarding a user on a first site, and one or more pieces of second operation information regarding the user on a second site; an attribute value acquisition unit that acquires a first attribute value of the user, using the one or more pieces of first operation information, and acquires a second attribute value of the user, using the one or more pieces of second operation information; and a site processing unit that performs predetermined processing on the first site or the second site, using the first attribute value and the second attribute value, it is possible to perform useful processing using operation information on two or more sites.

    Secure updating of allocations to user accounts
    3.
    发明授权
    Secure updating of allocations to user accounts 有权

    公开(公告)号：US11887069B2

    公开(公告)日：2024-01-30

    申请号：US17302499

    申请日：2021-05-04

    Applicant: Plaid Inc.

    Inventor： Michael Lai ,  Jeffrey Zhiyuan Wang ,  Raymond Cano ,  Maxwell Dodge Johnson ,  Thomas Fisher

    IPC: G06Q20/02 ,  G06Q20/40 ,  G06Q40/02 ,  G06Q20/04

    CPC classification number: G06Q20/023 ,  G06Q20/0425 ,  G06Q20/401 ,  G06Q40/02

    Abstract: Systems and methods for secure updating of allocations to user accounts are provided. In one aspect, a system includes one or more computer readable storage mediums having program instructions embodied therewith, and one or more processors configured to cause the system to identify an external institution associated with the future transfers, and initiate, based on the identified external institution, a proxy instance of a software application of the external institution to determine a set of endpoints and a set of the future transfers to the endpoints. The system is further configured to receive a request from a user to change at least one of the set of the endpoints and the set of the further transfers to the endpoints, and use the proxy instance, executing the requested change to at least one of the set of the endpoints or the set of the future transfers to the endpoints.

    DATA STRUCTURE SYNCHRONIZATION WITH WEBHOOKS
    5.
    发明公开
    DATA STRUCTURE SYNCHRONIZATION WITH WEBHOOKS 审中-公开

    公开(公告)号：US20230367789A1

    公开(公告)日：2023-11-16

    申请号：US18318382

    申请日：2023-05-16

    Applicant: Plaid Inc.

    Inventor： Nick SUNDIN ,  Royce KOK ,  Jules MEI

    IPC: G06F16/27 ,  G06F16/23

    CPC classification number: G06F16/273 ,  G06F16/2379

    Abstract: In some implementations, an aggregation system may receive, from a user device, a registration message. The aggregation system may receive, from a data source, an initial set of structured data. The aggregation system may receive, from the data source and periodically, updates to the initial set of structured data. The aggregation system may transmit, to the user device and via a webhook activated based on the registration message, an indication of each update. The aggregation system may generate, based on each update, a corresponding differential data structure. The aggregation system may transmit, to the user device, each corresponding differential data structure.

    SYSTEM AND METHOD FOR MANAGING USER INTERACTION FLOWS WITHIN THIRD PARTY APPLICATIONS
    6.
    发明公开
    SYSTEM AND METHOD FOR MANAGING USER INTERACTION FLOWS WITHIN THIRD PARTY APPLICATIONS 审中-公开

    公开(公告)号：US20230342225A1

    公开(公告)日：2023-10-26

    申请号：US18342988

    申请日：2023-06-28

    Applicant: Plaid Inc.

    Inventor： William Fredrick KIEFER ,  Michael Brian JACOKES ,  Jan Maksymilian DUDEK ,  Nathan James TINDALL

    IPC: G06F9/54 ,  G06F9/48

    CPC classification number: G06F9/541 ,  G06F9/4881

    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.

    DATA VERIFIED DEPOSITS
    8.
    发明申请
    DATA VERIFIED DEPOSITS 有权

    公开(公告)号：US20230137660A1

    公开(公告)日：2023-05-04

    申请号：US18147433

    申请日：2022-12-28

    Applicant: Plaid Inc.

    Inventor： Warren Lowell Putnam

    IPC: G06Q20/40 ,  G06Q20/42 ,  G06Q20/10 ,  G06Q20/02 ,  G06Q20/38

    Abstract: A system and method for verifying account ownership using verified deposits. An ACH verification platform may recognize or detect a verification process involving micro deposits. A verification platform may receive and store user login, initiate the deposits, and monitor the user's account to verify that posting of the deposits was successful. In embodiments, a dedicated web form or portal may be provided for receiving verification information.

    SECURE PERMISSIONING OF ACCESS TO USER ACCOUNTS, INCLUDING SECURE DEAUTHORIZATION OF ACCESS TO USER ACCOUNTS
    9.
    发明申请
    SECURE PERMISSIONING OF ACCESS TO USER ACCOUNTS, INCLUDING SECURE DEAUTHORIZATION OF ACCESS TO USER ACCOUNTS 有权

    公开(公告)号：US20230080415A1

    公开(公告)日：2023-03-16

    申请号：US18050921

    申请日：2022-10-28

    Applicant: Plaid Inc.

    Inventor： William Hockey ,  Michael Kelly

    IPC: H04L9/40 ,  H04L9/32

    Abstract: A permissions management system is disclosed for enabling a user to securely authorize a third-party system to access user account data and initiate transactions related to a user account, without disclosing to the third-party system account credentials. The system enables the user to also securely de-authorize the third-party system. For example, records may be automatically generated that securely store account information, including one or more permissions related to the account and/or the third-party. A token associated with a record may be shared with the third-party system, but neither the record itself, nor the user account credentials, may be shared with the third-party. Accordingly, the third-party may request user account data and/or initiate transactions by providing the token, but does not itself know, e.g., the user account credentials. Further, the user may set various permissions related to the token, and may also revoke the token (e.g., de-authorize the third-party), thus providing increased security to the user's account.

    SECURE PERMISSIONING OF ACCESS TO USER ACCOUNTS, INCLUDING SECURE DISTRIBUTION OF AGGREGATED USER ACCOUNT DATA
    10.
    发明申请
    SECURE PERMISSIONING OF ACCESS TO USER ACCOUNTS, INCLUDING SECURE DISTRIBUTION OF AGGREGATED USER ACCOUNT DATA 有权

    公开(公告)号：US20220028012A1

    公开(公告)日：2022-01-27

    申请号：US17395900

    申请日：2021-08-06

    Applicant: Plaid Inc.

    Inventor： William Hockey ,  Joy Zheng ,  Baker Shogry ,  Michael Kelly

    IPC: G06Q40/00 ,  G06Q40/02 ,  G06F21/31

    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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