IP Library Granted Patent US 11,575,668
Granted Patent B2
US 11,575,668 · App. 17/164,783 · Granted Feb 7, 2023

Aggregation platform permissions

Inventor: John Ryan Caldwell (Lehi, UT)
Assignee: MX TECHNOLOGIES, INC.
H04L63/083H04L67/306H04L67/53G06F21/604G06F21/6245H04L63/08H04L63/0815H04L63/0892H04L63/102H04L67/10H04L67/125H04L67/146H04L67/535H04L67/566
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Quick Facts
Patent No.
US 11,575,668
App. No.
17/164,783
Granted
Feb 7, 2023
Kind
B2
Abstract

Apparatuses, systems, methods, and computer program products are presented for aggregation platform permissions. A hardware computing device is configured to aggregate a user's data from a first plurality of third-party service providers for the user to access through a second plurality of third-party service providers. A permissions module is configured to monitor which of a second plurality of third-party service providers have access to which portions of data from which of a first plurality of third-party service providers. A graphical user interface is configured to prompt a user with one or more user interface elements allowing the user to grant and revoke access to portions of data from a first plurality of third-party service providers individually to a second plurality of third-party service providers in response to an individual third-party service provider from the second plurality of third-party service providers requesting access to portions of the data.

Claims (33)

1. An apparatus, comprising:

a hardware computing device configured to aggregate a user's data from a first plurality of third-party service providers over a data network for the user to access through a second plurality of third-party service providers;

a permissions module configured to monitor which of the second plurality of third-party service providers have access to which portions of data from which of the first plurality of third-party service providers; and

a graphical user interface configured to prompt the user with one or more user interface elements allowing the user to grant and revoke access to the portions of the data from the first plurality of third-party service providers individually to the second plurality of third-party service providers in response to an individual third-party service provider from the second plurality of third-party service providers requesting access to at least one of the portions of the data from the first plurality of third-party service providers.

2. The apparatus of claim 1 , wherein the permissions module presents to the user in the graphical user interface indications of whether the second plurality of third-party service providers have valid electronic credentials for the other third-party service providers.

3. The apparatus of claim 1 , wherein the portions of data comprise an account balance, an interest rate, and transaction data for individual accounts of the user with the first plurality of third-party service providers.

4. The apparatus of claim 3 , wherein the transaction data comprises one or more of a party to a transaction, a date of a transaction, an amount of a transaction, a category for a transaction, and a geographic location of a transaction.

5. The apparatus of claim 1 , wherein the graphical user interface is configured to display one or more user interface elements allowing the user to define which or the portions of the data from which of the first plurality of third-party service providers are maintained in storage by the hardware computing device for remote access by the user.

6. The apparatus of claim 1 , wherein the graphical user interface is configured to display one or more user interface elements allowing the user to define which or the portions of the data from which of the first plurality of third-party service providers are maintained in storage by the hardware computing device for remote access by one or more of the second plurality of third-party service providers.

7. The apparatus of claim 1 , wherein the graphical user interface is configured to, in response to the user granting access to a portion of the data to an authorized third-party service provider from the second plurality of third-party service providers, display a unique code to the user, the user providing the unique code to the authorized third-party service provider, and the authorized third-party service provider providing the unique code to the hardware computing device in exchange for the portion of the data.

8. The apparatus of claim 1 , wherein the graphical user interface is displayed to the user embedded within a third-party graphical user interface of one of the second plurality of third-party service providers.

9. The apparatus of claim 1 , wherein the hardware computer device comprises a trusted intermediary for the user between the first plurality of third-party service providers and the second plurality of third-party service providers such that the user may dynamically manage and adjust, using the graphical user interface, which of the second plurality of third-party service providers have access to which of the portions of the data from the first plurality of third-party service providers.

10. A method, comprising:

aggregating a user's data to a hardware computing device from a first plurality of third-party service providers over a data network for the user to access through a second plurality of third-party service providers;

monitoring which of the second plurality of third-party service providers have access to which portions of data from which of the first plurality of third-party service providers; and

prompting the user, in a graphical user interface, with one or more user interface elements allowing the user to grant and revoke access to the portions of the data from the first plurality of third-party service providers individually to the second plurality of third-party service providers in response to an individual third-party service provider from the second plurality of third-party service providers requesting access to at least one of the portions of the data from the first plurality of third-party service providers.

11. The method of claim 10 , further comprising presenting to the user in the graphical user interface indications of whether the second plurality of third-party service providers have valid electronic credentials for the other third-party service providers.

12. The method of claim 10 , wherein the portions of data comprise an account balance, an interest rate, and transaction data for individual accounts of the user with the first plurality of third-party service providers.

13. The method of claim 12 , wherein the transaction data comprises one or more of a party to a transaction, a date of a transaction, an amount of a transaction, a category for a transaction, and a geographic location of a transaction.

14. The method of claim 10 , further comprising displaying one or more user interface elements allowing the user to define which or the portions of the data from which of the first plurality of third-party service providers are maintained in storage by the hardware computing device for remote access by the user.

15. The method of claim 10 , further comprising displaying one or more user interface elements allowing the user to define which or the portions of the data from which of the first plurality of third-party service providers are maintained in storage by the hardware computing device for remote access by one or more of the second plurality of third-party service providers.

16. The method of claim 10 , further comprising:

displaying, in response to the user granting access to a portion of the data to an authorized third-party service provider from the second plurality of third-party service providers, a unique code to the user; and

providing the portion of the data to the authorized third-party service provider in response to the user providing the unique code to the authorized third-party service provider and the authorized third-party service provider providing the unique code to the hardware computing device.

17. The method of claim 10 , further comprising embedding the graphical user interface within a third-party graphical user interface of one of the second plurality of third-party service providers displayed to the user.

18. The method of claim 10 , wherein the hardware computer device comprises a trusted intermediary for the user between the first plurality of third-party service providers and the second plurality of third-party service providers such that the user may dynamically manage and adjust, using the graphical user interface, which of the second plurality of third-party service providers have access to which of the portions of the data from the first plurality of third-party service providers.

19. An apparatus, comprising:

means for aggregating a user's data to a hardware computing device from a first plurality of third-party service providers over a data network for the user to access through a second plurality of third-party service providers;

means for monitoring which of the second plurality of third-party service providers have access to which portions of data from which of the first plurality of third-party service providers; and

means for prompting the user, in a graphical user interface, with one or more user interface elements allowing the user to grant and revoke access to the portions of the data from the first plurality of third-party service providers individually to the second plurality of third-party service providers in response to an individual third-party service provider from the second plurality of third-party service providers requesting access to at least one of the portions of the data from the first plurality of third-party service providers.

20. The apparatus of claim 19 , further comprising:

means for displaying, in response to the user granting access to a portion of the data to an authorized third-party service provider from the second plurality of third-party service providers, a unique code to the user; and

means for providing the portion of the data to the authorized third-party service provider in response to the user providing the unique code to the authorized third-party service provider and the authorized third-party service provider providing the unique code to the hardware computing device.

Assignments (1)
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Jan 3, 2023
From: CALDWELL, JOHN RYAN
To: MX TECHNOLOGIES, INC.
Reel/Frame 062263/0466 →
Continuity (4)
Continuation 16159417 · Oct 12, 2018
Provisional Application 62571784 · Oct 12, 2017
Provisional Application 62571788 · Oct 12, 2017
Related Publication 20210152541A1 · May 20, 2021