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公开(公告)号：US11316942B2
公开(公告)日：2022-04-26
申请号：US14834176
申请日：2015-08-24
申请人： Finicity Corporation
摘要： Financial events can be provided using a push framework. Using the push framework, an aggregation provider can subscribe to receive a customer's financial data without ever requiring access to the customer's login credentials. Once an aggregation provider has subscribed to receive a customer's financial data, the financial institution's system can push financial events to the subscribed aggregation provider describing changes that have occurred to the customer's financial data.
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公开(公告)号：US20180218448A1
公开(公告)日：2018-08-02
申请号：US15878194
申请日：2018-01-23
申请人： Finicity Corporation
IPC分类号： G06Q40/02
摘要： A method for providing an accurate evaluation of a borrower's creditworthiness includes using a network-connected aggregation server to aggregate records of a plurality of financial transactions from one or more network-connected financial institution servers, wherein each record of a financial transaction comprises a unique identifier associated with its transaction and using the records of the plurality of financial transactions to determine estimated financial information of the borrower. The estimated financial information of the borrower may include an estimated cash flow stream of the borrower, an estimated income stream of the borrower, an estimated trade line of the borrower, or estimated assets of the borrower. The method may also include using the estimated financial information of the borrower to create an evaluation of the borrower's creditworthiness and providing the evaluation of the borrower's creditworthiness to a recipient that is considering whether to extend a loan to the borrower.
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公开(公告)号：US11528340B2
公开(公告)日：2022-12-13
申请号：US17672759
申请日：2022-02-16
申请人： Finicity Corporation
摘要： Financial events can be provided using a push framework. Using the push framework, an aggregation provider can subscribe to receive a customer's financial data without ever requiring access to the customer's login credentials. Once an aggregation provider has subscribed to receive a customer's financial data, the financial institution's system can push financial events to the subscribed aggregation provider describing changes that have occurred to the customer's financial data.
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公开(公告)号：US20220174127A1
公开(公告)日：2022-06-02
申请号：US17672759
申请日：2022-02-16
申请人： Finicity Corporation
摘要： Financial events can be provided using a push framework. Using the push framework, an aggregation provider can subscribe to receive a customer's financial data without ever requiring access to the customer's login credentials. Once an aggregation provider has subscribed to receive a customer's financial data, the financial institution's system can push financial events to the subscribed aggregation provider describing changes that have occurred to the customer's financial data.
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公开(公告)号：US20210326980A1
公开(公告)日：2021-10-21
申请号：US17363766
申请日：2021-06-30
申请人： Finicity Corporation
IPC分类号： G06Q40/02
摘要： A method for providing an accurate evaluation of a borrower's creditworthiness includes using a network-connected aggregation server to aggregate records of a plurality of financial transactions from one or more network-connected financial institution servers, wherein each record of a financial transaction comprises a unique identifier associated with its transaction and using the records of the plurality of financial transactions to determine estimated financial information of the borrower. The estimated financial information of the borrower may include an estimated cash flow stream of the borrower, an estimated income stream of the borrower, an estimated trade line of the borrower, or estimated assets of the borrower. The method may also include using the estimated financial information of the borrower to create an evaluation of the borrower's creditworthiness and providing the evaluation of the borrower's creditworthiness to a recipient that is considering whether to extend a loan to the borrower.
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