Yodlee, Inc.

Vinay Nagaraj

Peter Hazlehurst

Shubha Pant

Jordan Reed

Nikhil Nadkarni

Kirti Kumar

Chanpreet Singh

Prasad Vunnam

Harini Padmanabhan

Methods, systems, and apparatus, including computer programs encoded on computer storage media, for account authentication. A method includes receiving a user request to include financial data describing a financial account in an interface, the financial account being associated with a financial institution. The method further includes redirecting the user to a first webpage associated with the financial institution, where the user inputs into the first webpage login credentials for accessing the financial account. The method further includes, in response to the user inputting into the first webpage login credentials for accessing the financial account, receiving, from the financial institution, an access token other than the login credentials for accessing the financial account. The method further includes storing the access token for use in accessing and aggregating financial data describing the financial account.

Financial account authentication

Methods, systems and computer program products for identifying recurring series from transactional data are disclosed. An analytic server receives transactional data. The server reduces the transactional data to one or more series of transactions. The analytic server identifies one or more features in each series of transactions. The analytic server determines a respective recurrence score for each series of transactions based on training data. The recurrence score measures a likelihood that the series of transactions is a recurring series, in which transactions recur. The analytic server determines whether each series of transactions is a recurring series based on the respective recurrence score and a threshold. The analytic server predicts a future transaction based on the recurring series of transactions.

Identifying recurring series from transactional data

Methods, systems, and apparatus, including computer programs encoded on a computer storage medium, for automating the collection of user information for account aggregation. In one aspect, a method includes receiving, at a server computer system from a mobile device of a user, a first user request to access account information; receiving, at the server computer system from a provider computer system, a plury of mobile device applications; for each respective establishment of the plurality of establishments: storing, at the server computer system, establishment login credentials of the user to access account information of the user at a computer system of the respective establishment, and obtaining account information of the user at the respective establishment; aggregating, on the computer system, all the account information of the user from the respective mobile device application of each establishment; and providing to the mobile device the aggregated account information of the user.

Mobile application based account aggregation

Methods, systems, and apparatus, including computer programs encoded on a computer storage medium, for automating the collection of user information for account aggregation. In one aspect, a method includes receiving, at a server computer system from a mobile device of a user, a first user request to access account information; receiving, at the server computer system from a provider computer system, a plurality of mobile device applications; for each respective establishment of the plurality of establishments: storing, at the server computer system, establishment login credentials of the user to access account information of the user at a computer system of the respective establishment, and obtaining account information of the user at the respective establishment; aggregating, on the computer system, all the account information of the user from the respective mobile device application of each establishment; and providing to the mobile device the aggregated account information of the user.

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San Jose, CA, United States of America

Vinay Nagaraj