The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.

The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.

Date of Patent:
Nov. 19, 2024

Filed:

Jan. 16, 2024
Applicant:

Plaid Inc., San Francisco, CA (US);

Inventors:

William Hockey, San Francisco, CA (US);

Charles Li, San Francisco, CA (US);

Zach Perret, San Francisco, CA (US);

Assignee:

Plaid Inc., San Francisco, CA (US);

Attorney:
Primary Examiner:
Int. Cl.
CPC ...
G06Q 40/02 (2023.01); G06F 21/31 (2013.01); G06Q 40/00 (2023.01); G06Q 40/12 (2023.01);
U.S. Cl.
CPC ...
G06Q 40/02 (2013.01); G06F 21/31 (2013.01); G06Q 40/00 (2013.01); G06Q 40/12 (2013.12);
Abstract

Systems and methods for programmatic access of external financial service systems. An application proxy instance is created that simulates an application of an external financial service system. A normalized account request is received for financial data of the external financial service system for a specified account. The normalized account request is provided by an external financial application system by using a financial data API of the financial platform system. Responsive to the normalized account request, communication is negotiated with the external financial service system by using the application proxy instance to access the requested financial data from the external financial service system by using a proprietary Application Programming Interface (API) of the external financial service system. The financial data is provided to the external financial application system as a response to the normalized account request.


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