IP Library Granted Patent US 11,282,146
Granted Patent B2
US 11,282,146 · App. 16/434,098 · Granted Mar 22, 2022

Automated financial data aggregation

Inventors: Rohit Chourasia (Bangalore, IN); Shubha Pant (Bangalore, IN)
Assignee: Yodlee, Inc.
G06Q40/12G06Q30/0201G06Q40/00G06F16/00G06F16/958
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Quick Facts
Patent No.
US 11,282,146
App. No.
16/434,098
Granted
Mar 22, 2022
Kind
B2
Abstract

Methods, systems, and apparatus, including computer programs encoded on computer storage media, for data aggregation. The methods, systems, and apparatus include determining whether a site-specific script for extracting financial data from a particular financial institution website is available; in response to determining that a site-specific script for extracting financial data from the particular financial institution website is not available, generating a site map of web pages and web page segments in the financial institution website, wherein the site map is generated based on at least in part on a statistical analysis of web pages and web page segments that are not in the financial institution website; generating, based on the site map of the financial institution website, a site-specific script for extracting financial data from the financial institution website; and extracting, for one or more users, financial data from the particular financial institution website using the generated site-specific script.

Claims (48)

1. A computer-implemented method, comprising:

crawling a financial institution website to identify a plurality of web pages in the financial institution website;

for each webpage of at least some of the plurality of web pages, determining a category for the webpage from a plurality of web page categories by inputting the web page into a web page classifier that includes a first data model that has been trained using a machine learning technique based on a plurality of webpages that are not from the financial institution website, the plurality of web page categories including at least a login page, an accounts summary page, and an account page;

for each segment of at least some segments from the plurality of web pages, determining a category for the segment from a plurality of segment categories by inputting the segment into a segment classifier that includes a second data model that has been trained using a machine learning technique based on a plurality of segments that are not from the financial institution website, the plurality of segment categories including at least a login field, an accounts description table, and a transaction descriptions table;

generating, automatically and in the computer, a site-specific script for extracting financial data from the financial institution website based on the determined categories for the plurality of web pages and segments in the financial institution website; and

extracting, in the computer, for one or more users, financial data from the financial institution website using the generated site-specific script.

2. The method of claim 1 , wherein the first data model implements a naive Bayes classification.

3. The method of claim 1 , wherein determining the category for the webpage includes:

determining a respective plurality of scores for the web page, each score in the plurality of scores indicating a confidence that the web page corresponds to a particular category;

determining for each web page whether a score in the respective plurality of scores satisfies a threshold; and

in response to determining that a score in the respective plurality of scores for the web page satisfies a threshold, associating the web page with a particular category corresponding to the score.

4. The method of claim 3 , further comprising:

in response to determining that no score in the respective plurality of scores for a web page satisfies a threshold, providing the web page to a user for manual categorization; and

associating the web page with a category specified by the user.

5. The method of claim 1 , wherein the second data model implements a nave Bayes classification.

6. The method of claim 1 , wherein determining the category for the segment includes:

determining a respective plurality of scores for the segment, each score in the plurality of scores indicating a confidence that the segment corresponds to a particular category;

determining for each segment whether a score in the respective plurality of scores satisfies a threshold; and

in response to determining that a score in the respective plurality of scores for the segment satisfies a threshold, associating the segment with the a particular category corresponding to the score.

7. The method of claim 6 , further comprising:

in response to determining that no score in the respective plurality of scores for a segment satisfies a threshold, providing the segment to a user for manual categorization; and

associating the segment with a category specified by the user.

8. The method of claim 1 , further comprising:

prior to crawling the financial institution website determining, in the computer, that a site-specific script for extracting financial data from the financial institution website is not available.

9. A computer program product, comprising a non-transitory computer-readable medium encoded with instructions to cause a data processing apparatus to:

crawl a financial institution website to identify a plurality of web pages in the financial institution website;

for each webpage of at least some of the plurality of web pages, determine a category for the webpage from a plurality of web page categories by inputting the web page into a web page classifier that includes a first data model that has been trained using a machine learning technique based on a plurality of webpages that are not from the financial institution website, the plurality of web page categories including at least a login page, an accounts summary page, and an account page;

for each segment of at least some segments from the plurality of web pages, determine a category for the segment from a plurality of segment categories by inputting the segment into a segment classifier that includes a second data model that has been trained using a machine learning technique based on a plurality of segments that are not from the financial institution website, the plurality of segment categories including at least a login field, an accounts description table, and a transaction descriptions table;

automatically generate a site-specific script for extracting financial data from the financial institution website based on the categories for the plurality of web pages and segments in the financial institution website; and

extracting, for one or more users, financial data from the financial institution website using the generated site-specific script.

10. The computer program product of claim 9 , wherein the first data model implements a naive Bayes classification.

11. The computer program product of claim 9 , wherein the instructions to determine the category for the webpage include instructions to:

determine a respective plurality of scores for the web page, each score in the plurality of scores indicating a confidence that the web page corresponds to a particular category;

determine for each web page whether a score in the respective plurality of scores satisfies a threshold; and

in response to determining that a score in the respective plurality of scores for the web page satisfies a threshold, associate the web page with a particular category corresponding to the score.

12. The computer program product of claim 11 , further comprising instructions to:

in response to determining that no score in the respective plurality of scores for a web page satisfies a threshold, provide the web page to a user for manual categorization; and

associate the web page with a category specified by the user.

13. The computer program product of claim 9 , wherein the second data model implements a naive Bayes classification.

14. The computer program product of claim 9 , wherein the instructions to determine the category for the segment include instructions to:

determine a respective plurality of scores for the segment, each score in the plurality of scores indicating a confidence that the segment corresponds to a particular category;

determine for each segment whether a score in the respective plurality of scores satisfies a threshold; and

in response to determining that a score in the respective plurality of scores for the segment satisfies a threshold, associate the segment with the a particular category corresponding to the score.

15. The computer program product of claim 14 , further comprising instructions to:

in response to determining that no score in the respective plurality of scores for a segment satisfies a threshold, provide the segment to a user for manual categorization; and

associate the segment with a category specified by the user.

16. The computer program product of claim 9 , further comprising instructions to:

prior to crawling the financial institution website, determine that a site-specific script for extracting financial data from the financial institution website is not available.

Assignments (3)
RELEASE OF SECURITY INTEREST Recorded Aug 26, 2025
From: ROYAL BANK OF CANADA, AS COLLATERAL AGENT
To: YODLEE, INC.
Reel/Frame 072118/0612 →
GRANT OF SECURITY INTEREST IN PATENT Recorded Nov 25, 2024
From: YODLEE, INC.
To: ROYAL BANK OF CANADA, AS COLLATERAL AGENT
Reel/Frame 069441/0749 →
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Jun 19, 2019
From: CHOURASIA, ROHIT; PANT, SHUBHA
To: YODLEE, INC.
Reel/Frame 049526/0934 →
Continuity (3)
Continuation 14790509 · Jul 2, 2015
Continuation 13794708 · Mar 11, 2013
Related Publication 20190333159A1 · Oct 31, 2019