IP Library › Granted Patent US 12,506,724
Granted Patent B2
US 12,506,724 · App. 18/660,513 · Granted Dec 23, 2025

Secure permissioning of access to user accounts, including secure deauthorization of access to user accounts

Inventors: William Hockey (San Francisco, CA); Michael Kelly (San Francisco, CA)
H04L63/0807H04L9/3213H04L9/3228H04L63/0892
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Quick Facts
Patent No.
US 12,506,724
App. No.
18/660,513
Granted
Dec 23, 2025
Kind
B2
Abstract

A permissions management system is disclosed for enabling a user to securely authorize a third-party system to access user account data and initiate transactions related to a user account, without disclosing to the third-party system account credentials. The system enables the user to also securely de-authorize the third-party system. For example, records may be automatically generated that securely store account information, including one or more permissions related to the account and/or the third-party. A token associated with a record may be shared with the third-party system, but neither the record itself, nor the user account credentials, may be shared with the third-party. Accordingly, the third-party may request user account data and/or initiate transactions by providing the token, but does not itself know, e.g., the user account credentials. Further, the user may set various permissions related to the token, and may also revoke the token (e.g., de-authorize the third-party), thus providing increased security to the user's account.

Claims (71)

1 . A computer-implemented method for enabling secure transactions without sharing user information with an external application, comprising:

receiving, by a permissions management computing platform and via a normalized application programming interface (API), a request to authorize use of user account data associated with a user account held by a financial institution, wherein the request to authorize use of the user account data includes one or more permissions limiting use of the user account data by an external application system;

retrieving, by the permissions management computing platform and from a plurality of stored application proxy instances, an application proxy instance associated with a user associated with the user account data and the financial institution, wherein the application proxy instance includes a virtualized image of a user application specific to the financial institution;

retrieving, by the permissions management computing platform and via the application proxy instance, the user account data;

transmitting, by the permissions management computing platform, a token identifying an electronic record including the user account data and the one or more permissions, to the external application system;

receiving, by the permissions management computing platform and from the external application system, a request for transaction processing for a transaction associated with the user, wherein the request for transaction processing includes transaction details and the token;

retrieving, by the permissions management computing platform and based on the token, the electronic record;

comparing, by the permissions management computing platform, the transaction details to the one or more permissions in the electronic record to determine whether the external application system is authorized to process the transaction;

determining, by the permissions management computing platform and based on the comparing, that the external application system is authorized to process the transaction;

processing, by the permissions management computing platform and using the user account data, the transaction;

receiving, by the permissions management computing platform, a request to modify the one or more permissions limiting use of the user account data by the external application system, wherein the request to modify the one or more permissions includes a request to revoke authorization of the external application system to use the user account data;

processing, by the permissions management computing platform, the request to modify the one or more permissions limiting use of the user account data by the external application system by modifying the electronic record;

receiving, by the permissions management computing platform and from the external application system, a subsequent request for transaction processing for a subsequent transaction associated with the user, wherein the subsequent request for transaction processing includes subsequent transaction details and the token;

retrieving, by the permissions management computing platform and based on the token and in response to the received subsequent request for transaction processing for the subsequent transaction associated with the user, the modified electronic record;

comparing, by the permissions management computing platform, the subsequent transaction details to the modified one or more permissions in the modified electronic record to determine whether the external application system is authorized to process the transaction;

determining, by the permissions management computing platform and based on the comparing the subsequent transaction details to the modified one or more permissions in the modified electronic record, that the external application system is not authorized to process the transaction; and

transmitting, by the permissions management computing platform, a notification to the external application system denying the subsequent request for transaction processing.

2 . The method of claim 1 , wherein the token is generated based on an encrypted hash of one or more elements of the electronic record.

3 . The method of claim 1 , wherein the electronic record further includes a user identifier and an identifier of the external application system.

4 . The method of claim 1 , wherein the electronic record corresponds to a combination of the user and the external application system.

5 . The method of claim 1 , wherein the request to authorize use of the user account data is received via a permissions plug-in integrated into the external application system and configured to securely communicate information to the permissions management computing platform.

6 . The method of claim 5 , wherein the permissions plug-in integrated into the external application system prevents access to the user account data by the external application system.

7 . The method of claim 1 , wherein the user account data includes an account number of the user account held by the financial institution.

8 . A permissions management computing platform for enabling secure transactions without sharing user information with an external application, comprising:

at least one hardware processor;

a communication interface communicatively coupled to the at least one hardware processor; and

a memory storing computer-readable instructions that, when executed by the at least one hardware processor, cause the permissions management computing platform to:

receive, via a normalized application programming interface (API), a request to authorize use of user account data associated with a user account held by a financial institution, wherein the request to authorize use of the user account data includes one or more permissions limiting use of the user account data by an external application system;

retrieve, from a plurality of stored application proxy instances, an application proxy instance associated with a user associated with the user account data and the financial institution, wherein the application proxy instance includes a virtualized image of a user application specific to the financial institution;

retrieve, via the application proxy instance, the user account data;

transmit a token identifying an electronic record including the user account data and the one or more permissions, to the external application system;

receive, from the external application system, a request for transaction processing for a transaction associated with the user, wherein the request for transaction processing includes transaction details and the token;

retrieve, based on the token, the electronic record;

compare the transaction details to the one or more permissions in the electronic record to determine whether the external application system is authorized to process the transaction;

determine, based on the comparing, that the external application system is authorized to process the transaction;

process, using the user account data, the transaction;

receive a request to modify the one or more permissions limiting use of the user account data by the external application system, wherein the request to modify the one or more permissions includes a request to revoke authorization of the external application system to use the user account data;

process the request to modify the one or more permissions limiting use of the user account data by the external application system by modifying the electronic record;

receive, from the external application system, a subsequent request for transaction processing for a subsequent transaction associated with the user, wherein the subsequent request for transaction processing includes subsequent transaction details and the token;

retrieve, based on the token and in response to the received subsequent request for transaction processing for the subsequent transaction associated with the user, the modified electronic record;

compare the subsequent transaction details to the modified one or more permissions in the modified electronic record to determine whether the external application system is authorized to process the transaction;

determine, based on the comparing the subsequent transaction details to the modified one or more permissions in the modified electronic record, that the external application system is not authorized to process the transaction; and

transmit a notification to the external application system denying the subsequent request for transaction processing.

9 . The permissions management computing platform of claim 8 , wherein the token is generated based on an encrypted hash of one or more elements of the electronic record.

10 . The permissions management computing platform of claim 8 , wherein the electronic record further includes a user identifier and an identifier of the external application system.

11 . The permissions management computing platform of claim 8 , wherein the electronic record corresponds to a combination of the user and the external application system.

12 . The permissions management computing platform of claim 8 , wherein the request to authorize use of the user account data is received via a permissions plug-in integrated into the external application system and configured to securely communicate information to the permissions management computing platform.

13 . The permissions management computing platform of claim 12 , wherein the permissions plug-in integrated into the external application system prevents access to the user account data by the external application system.

14 . The permissions management computing platform of claim 8 , wherein the user account data includes an account number of the user account held by the financial institution.

15 . One or more non-transitory computer-readable media storing instructions that, when executed, cause a permissions management computing platform for enabling secure transactions without sharing user information with an external application to:

receive, via a normalized application programming interface (API), a request to authorize use of user account data associated with a user account held by a financial institution, wherein the request to authorize use of the user account data includes one or more permissions limiting use of the user account data by an external application system;

retrieve, from a plurality of stored application proxy instances, an application proxy instance associated with a user associated with the user account data and the financial institution, wherein the application proxy instance includes a virtualized image of a user application specific to the financial institution;

retrieve, via the application proxy instance, the user account data;

transmit a token identifying an electronic record including the user account data and the one or more permissions, to the external application system;

receive, from the external application system, a request for transaction processing for a transaction associated with the user, wherein the request for transaction processing includes transaction details and the token;

retrieve, based on the token, the electronic record;

compare the transaction details to the one or more permissions in the electronic record to determine whether the external application system is authorized to process the transaction;

determine, based on the comparing, that the external application system is authorized to process the transaction;

process, using the user account data, the transaction;

receive a request to modify the one or more permissions limiting use of the user account data by the external application system, wherein the request to modify the one or more permissions includes a request to revoke authorization of the external application system to use the user account data;

process the request to modify the one or more permissions limiting use of the user account data by the external application system by modifying the electronic record;

receive, from the external application system, a subsequent request for transaction processing for a subsequent transaction associated with the user, wherein the subsequent request for transaction processing includes subsequent transaction details and the token;

retrieve, based on the token and in response to the received subsequent request for transaction processing for the subsequent transaction associated with the user, the modified electronic record;

compare the subsequent transaction details to the modified one or more permissions in the modified electronic record to determine whether the external application system is authorized to process the transaction;

determine, based on the comparing the subsequent transaction details to the modified one or more permissions in the modified electronic record, that the external application system is not authorized to process the transaction; and

transmit a notification to the external application system denying the subsequent request for transaction processing.

16 . The one or more non-transitory computer-readable media of claim 15 , wherein the token is generated based on an encrypted hash of one or more elements of the electronic record.

17 . The one or more non-transitory computer-readable media of claim 15 , wherein the electronic record further includes a user identifier and an identifier of the external application system.

18 . The one or more non-transitory computer-readable media of claim 15 , wherein the electronic record corresponds to a combination of the user and the external application system.

19 . The one or more non-transitory computer-readable media of claim 15 , wherein the request to authorize use of the user account data is received via a permissions plug-in integrated into the external application system and configured to securely communicate information to the permissions management computing platform.

20 . The one or more non-transitory computer-readable media of claim 19 , wherein the permissions plug-in integrated into the external application system prevents access to the user account data by the external application system.

Assignments (2)
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Sep 10, 2025
From: HOCKEY, WILLIAM; KELLY, MICHAEL
To: PLAID TECHNOLOGIES, INC.
Reel/Frame 072207/0797 →
CHANGE OF NAME Recorded Sep 10, 2025
From: PLAID TECHNOLOGIES, INC.
To: PLAID INC.
Reel/Frame 072821/0566 →
Continuity (8)
Continuation 18061948 · Dec 5, 2022
Continuation 17303432 · May 28, 2021
Continuation 16688192 · Nov 19, 2019
Continuation 16003640 · Jun 8, 2018
Continuation 15258256 · Sep 7, 2016
Provisional Application 62267508 · Dec 15, 2015
Provisional Application 62215603 · Sep 8, 2015
Related Publication 20240364675A1 · Oct 31, 2024
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