IP Library › Granted Patent US 12,259,907
Granted Patent B2
US 12,259,907 · App. 17/842,444 · Granted Mar 25, 2025

Browser-based aggregation

Inventors: Warren Lowell Putnam (New York, NY); Michael George Del Monte (Garrison, NY)
Assignee: Plaid Inc.
G06F16/27G06F16/24556G06F16/955G06F21/6245G06Q40/02G06Q50/265H04L67/141
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Quick Facts
Patent No.
US 12,259,907
App. No.
17/842,444
Granted
Mar 25, 2025
Kind
B2
Abstract

A system and method for aggregating account data, and more specifically, a system and method for aggregation of financial account data that provides enhanced privacy and security protections to a user by enabling the user to maintain custody of his or her login credentials. A syncing agent in coordination with a system add-on coordinates log-in to a remote system and storage of session information. Syncing agent utilizes the session agent to retrieve additional information on behalf of the user or perform other tasks on the remote server.

Claims (56)

1. A method comprising:

receiving, by a syncing agent activated on a server computing device and from a plugin on a user computing device during a live session between a browser or a mobile application of the user computing device and an institution web site provided by an institution server, session information configured to establish the live session,

wherein the syncing agent is activated to receive information from the institution server based on the session information being received from the plugin, and

wherein the server computing device, the user computing device, and the institution server are three separate devices;

making, by the syncing agent and using the session information, direct posts to the institution server based on the syncing agent being activated to receive information from the institution server;

receiving, by the syncing agent and based on making the direct posts to the institution server, data transmitted from the institution server and intended for the browser or the mobile application,

wherein the data, transmitted from the institution server and intended for the browser or the mobile application, is received directly from the institution server; and

gathering, by the syncing agent and during the live session, account data transmitted from the institution server via a network and using the session information,

wherein the account data relates to at least one account of a customer associated with the institution server, and

wherein the account data is different from the session information.

2. The method of claim 1 , wherein the session information comprises a cookie.

3. The method of claim 1 , wherein the live session is initiated on the user computing device.

4. The method of claim 1 , wherein the session information is stored in a database, and

wherein the method further comprises:

retrieving the session information from the database.

5. The method of claim 1 , wherein the syncing agent is activated to receive the data from the institution server based on receiving the session information from the plugin.

6. The method of claim 1 , further comprises:

using the session information to impersonate the live session.

7. The method of claim 1 , further comprising:

routing a communication with the institution server via the plugin based on the session information being added to the communication.

8. A system comprising:

a server computing device comprising a processor, memory, and storage, wherein the server computing device is configured to execute a syncing agent, and wherein the syncing agent is configured to:

receive, from a plugin on a user computing device during a live session between a browser or a mobile application of the user computing device and an institution web site provided by an institution server, session information configured to establish the live session,

wherein the syncing agent is activated to receive information from the institution server based on the session information being received from the plugin, and

wherein the server computing device, the user computing device, and the institution server are three separate devices;

make, using the session information, direct posts to the institution server based on the syncing agent being activated to receive information from the institution server;

receive, based on the direct posts to the institution server being made, data transmitted from the institution server and intended for the browser or the mobile application,

wherein the syncing agent is configured to receive the data, transmitted from the institution server and intended for the browser or the mobile application, directly from the institution server; and

gather, during the live session, account data transmitted from the institution server via a network and using the session information,

wherein the account data relates to at least one account of a customer associated with the institution server, and

wherein the account data is different from the session information.

9. The system of claim 8 , wherein the session information comprises a cookie.

10. The system of claim 8 , wherein the live session is initiated on the user computing device.

11. The system of claim 8 , wherein the session information is stored in the storage, and wherein the syncing agent is further configured to receive the session information from the storage.

12. The system of claim 8 , wherein the syncing agent is activated to receive the data from the institution server based on the session information being received from the plugin.

13. The system of claim 8 , wherein the syncing agent is configured to:

use the session information to impersonate the live session.

14. The system of claim 8 , wherein the syncing agent is configured to:

route a communication with the institution server via the plugin based on the session information being added to the communication.

15. A non-transitory computer-readable storage medium storing a set of instructions, the set of instructions comprising:

one or more instructions that, when executed by a processor of a server computing device, cause a syncing agent activated on the server computing device to:

receive, from a plugin on a user computing device during a live session between a browser or a mobile application of the user computing device and an institution web site provided by an institution server, session information configured to establish the live session,

wherein the syncing agent is activated to receive information from the institution server based on the session information being received from the plugin, and

wherein the server computing device, the user computing device, and the institution server are three separate devices;

make, using the session information, direct posts to the institution server based on the syncing agent being activated to receive information from the institution server;

receive, based on the direct posts to the institution server being made, data transmitted from the institution server and intended for the browser or the mobile application,

wherein the data, transmitted from the institution server and intended for the browser or the mobile application, is received directly from the institution server; and

gather, during the live session, account data transmitted from the institution server via a network and using the session information,

wherein the account data relates to at least one account of a customer associated with the institution server, and

wherein the account data is different from the session information.

16. The non-transitory computer-readable storage medium of claim 15 , wherein the session information comprises a cookie.

17. The non-transitory computer-readable storage medium of claim 15 , wherein the live session is initiated on the user computing device.

18. The non-transitory computer-readable storage medium of claim 15 , wherein the session information is stored in a database, and

wherein the one or more instructions further cause the syncing agent activated on the server computing device to receive the session information from the database.

19. The non-transitory computer-readable storage medium of claim 15 , wherein the syncing agent is activated to receive the data from the institution server based on the session information being received from the plugin.

20. The non-transitory computer-readable storage medium of claim 15 , wherein the one or more instructions further cause the syncing agent activated on the server computing device to use the session information to impersonate the live session.

Assignments (2)
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Apr 6, 2023
From: PUTNAM, WARREN LOWELL; DEL MONTE, MICHAEL GEORGE
To: QUOVO, INC.
Reel/Frame 063243/0661 →
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Apr 6, 2023
From: QUOVO, INC.
To: PLAID INC.
Reel/Frame 063243/0702 →
Continuity (3)
Continuation 16042147 · Jul 23, 2018
Provisional Application 62535859 · Jul 22, 2017
Related Publication 20220327141A1 · Oct 13, 2022
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