Granted Patent B2

US 12,548,015 · App. 18/665,865 · Granted Feb 10, 2026

Inventors: Eric Morse (San Francisco, CA); Max Johnson (San Francisco, CA); Austin Lin Gibbons (San Francisco, CA); Kevin Hu (San Francisco, CA); Samir Naik (San Francisco, CA)

Assignee: Plaid Inc.

G06Q20/38215G06N20/00G06Q20/4014G06Q20/4016

Abstract

Claims (82)

1 . A method, comprising:

receiving, by a device, a transaction request referencing an authentication token;

instantiating, by the device, a virtualized application instance emulating access with an external computing system;

authenticating, by the device, via the virtualized application instance, and using stored account credentials associated with the authentication token, an account with the external computing system;

retrieving, by the device and via the virtualized application instance, account data;

identifying, by the device, one or more other accounts that are associated with the account;

processing, by the device, the account data and additional account data from the one or more other accounts in combination with transaction details related to the transaction request;

generating, by the device and based on processing the account data and the additional account data from the one or more other accounts in combination with the transaction details related to the transaction request, a transaction assessment;

augmenting, by the device and based on the transaction assessment, execution of a transaction, wherein the augmenting comprises at least one of:

determining whether or not to skip a process involved in executing the transaction, or

configuring an additional process involved in executing the transaction; and

permitting or prohibiting, by the device and based on the augmenting, the transaction.

2 . The method of claim 1 ,

wherein the additional process is associated with supplemental authentication as a conditional process for executing the transaction.

3 . The method of claim 1 ,

wherein processing the account data and the additional account data in combination with the transaction details further comprises:

determining a risk value associated with the transaction assessment.

4 . The method of claim 1 ,

wherein processing the account data and the additional account data in combination with the transaction details further comprises:

determining a pattern associated with the account and the one or more other accounts.

5 . The method of claim 1 ,

wherein generating the transaction assessment further comprises inputting at least the account data into a machine learning classifier model; and

wherein the machine learning classifier model is updated with interaction feedback received by the device.

6 . The method of claim 1 ,

wherein the account is a transaction originator account related to the transaction.

7 . The method of claim 1 ,

wherein the account is a transaction recipient account related to the transaction.

8 . A device, comprising:

one or more memories; and

one or more processors, coupled to the one or more memories, configured to:

receive a request referencing an authentication token;

instantiate a virtualized application instance emulating access with an external computing system;

authenticate, via the virtualized application instance, and using stored account credentials associated with the authentication token, an account with the external computing system;

retrieve, via the virtualized application instance, account data;

identify one or more other accounts that are associated with the account;

process the account data and additional account data from the one or more other accounts in combination with transaction details related to the request;

generate, based on processing the account data and the additional account data from the one or more other accounts in combination with the transaction details related to the request, a transaction assessment;

augment, based on the transaction assessment, execution of a transaction, wherein the augmenting comprises at least one of:

determining whether or not to skip a process involved in executing the transaction, or

configuring an additional process involved in executing the transaction; and

permit or prohibit, based on augmenting the execution of the transaction, the transaction.

9 . The device of claim 8 ,

wherein the additional process is associated with supplemental authentication as a conditional process for executing the transaction.

10 . The device of claim 8 ,

wherein the one or more processors, to process the account data and the additional account data in combination with the transaction details, are configured to:

determine a risk value associated with the transaction assessment.

11 . The device of claim 8 ,

wherein the one or more processors, to process the account data and the additional account data in combination with the transaction details, are configured to:

determine a pattern associated with the account and the one or more other accounts.

12 . The device of claim 8 ,

wherein the one or more processors, to generate the transaction assessment, are configured to input at least the account data into a machine learning classifier model; and

wherein the machine learning classifier model is updated with interaction feedback received by the device.

13 . The device of claim 8 ,

wherein the account is a transaction originator account related to the transaction.

14 . The device of claim 8 ,

wherein the account is a transaction recipient account related to the transaction.

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

one or more instructions that, when executed by one or more processors of a device, cause the device to:

receive a request referencing an authentication token;

instantiate a virtualized application instance emulating access with an external computing system;

authenticate, via the virtualized application instance, and using stored account credentials associated with the authentication token, an account with the external computing system;

retrieve, via the virtualized application instance, account data;

identify one or more other accounts that are associated with the account;

process the account data and additional account data from the one or more other accounts in combination with transaction details related to the request

generate, based on processing the account data and the additional account data from the one or more other accounts in combination with the transaction details related to the request, a transaction assessment;

augment, based on the transaction assessment, execution of a transaction, wherein the augmenting comprises at least one of:

determining whether or not to skip a process involved in executing the transaction, or

configuring an additional process involved in executing the transaction; and

permit or prohibit, based on augmenting the execution of the transaction, the transaction.

16 . The non-transitory computer-readable medium of claim 15 ,

wherein the additional process is associated with supplemental authentication as a conditional process for executing the transaction.

17 . The non-transitory computer-readable medium of claim 15 ,

wherein the one or more instructions, that cause the device to process the account data and the additional account data in combination with the transaction details, cause the device to:

determine a risk value associated with the transaction assessment.

18 . The non-transitory computer-readable medium of claim 15 ,

wherein the one or more instructions, that cause the device to process the account data and the additional account data in combination with the transaction details, cause the device to:

determine a pattern associated with the account and the one or more other accounts.

19 . The non-transitory computer-readable medium of claim 15 ,

wherein the one or more instructions, that cause the device to generate the transaction assessment, cause the device to input at least the account data into a machine learning classifier model; and

wherein the machine learning classifier model is updated with interaction feedback received by the device.

20 . The non-transitory computer-readable medium of claim 15 ,

wherein the account is a transaction originator account related to the transaction.

Assignments (1)

Continuity (4)

References Cited (55)