IP Library › Patent Application 18932380
Patent Application
App. No. 18/932,380

SECURE PERMISSIONING OF ACCESS TO USER ACCOUNTS, INCLUDING SECURE DISTRIBUTION OF AGGREGATED USER ACCOUNT DATA

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Quick Facts
Patent No.
US None
App. No.
18/932,380
Abstract

A system and method for secure permissioning of access to user accounts, including secure distribution of aggregated user account data can include generating a financial report based on account information associated with one or more user accounts; receiving a financial report request for the financial report of the user account, wherein the financial report request is identified as being received from a third-party system; generating an audit report token associated with the financial report; sharing the audit token with the first third-party system in response to the financial report request; and providing the first third-party system account access to the financial report through the report token, where the audit report token can be shared with a second third-party system and provided by the second third-party system in order to confirm authorization to the report and integrity of the report.

Claims (50)

1 . A method, comprising:

generating, by a device and based on information, a report associated with an account;

generating, by the device, a token associated with the report;

sharing, by the device, the token with a first system; and

providing, by the device and to the first system, access to the report based on the token,

wherein the token is configured to be shared with a second system and to verify authenticity of the report or to verify integrity of the report.

2 . The method of claim 1 , further comprising:

generating an application proxy instance associated with an institution related to the account; and

accessing information associated with the account via the application proxy instance.

3 . The method of claim 1 , further comprising:

generating an application proxy instance associated with an institution related to the account; and

collecting transaction information associated with the account via the application proxy instance.

4 . The method of claim 1 , wherein the report includes financial data.

5 . The method of claim 1 , wherein the token is associated with providing an indication of the integrity of the report.

6 . The method of claim 1 , wherein the first system is provided with access to a subset of information included in the report.

7 . The method of claim 1 , wherein the information is obtained from a plurality of sources.

8 . A device, comprising:

one or more memories; and

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

generate, based on information, a report associated with an account;

generate a token associated with the report;

share the token with a first system; and

provide, to the first system, account access to the report based on the token,

wherein the token is configured to be shared with a second system and to verify authenticity of the report or to verify integrity of the report.

9 . The device of claim 8 , wherein the one or more processors are further configured to:

generate an application proxy instance associated with an institution related to the account; and

access information associated with the account via the application proxy instance.

10 . The device of claim 8 , wherein the report includes financial data.

11 . The device of claim 8 , wherein the one or more processors are further configured to:

generate an application proxy instance associated with an institution related to the account; and

collect transaction information associated with the account via the application proxy instance.

12 . The device of claim 8 , wherein the token is associated with providing an indication of the integrity of the report.

13 . The device of claim 8 , wherein the first system is provided with access to a subset of information included in the report.

14 . The device of claim 8 , wherein the information is obtained from a plurality of sources.

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:

generate, based on information, a report associated with an account;

generate a token associated with the report;

share the token with a first system; and

provide, to the first system, account access to the report based on the token,

wherein the token is configured to be shared with a second system and to verify authenticity of the report or to verify integrity of the report.

16 . The non-transitory computer-readable medium of claim 15 , wherein the one or more instructions further cause the device to:

generate an application proxy instance associated with an institution related to the account; and

collect transaction information associated with the account via the application proxy instance.

17 . The non-transitory computer-readable medium of claim 15 , wherein the report includes financial data.

18 . The non-transitory computer-readable medium of claim 15 , wherein the one or more instructions further cause the device to:

generate an application proxy instance associated with an institution related to the account; and

access information associated with the account via the application proxy instance.

19 . The non-transitory computer-readable medium of claim 15 , wherein the token is associated with providing an indication of the integrity of the report.

20 . The non-transitory computer-readable medium of claim 15 , wherein the first system is provided with access to a subset of information included in the report.

Assignments (2)
SECURITY AGREEMENT Recorded Jul 29, 2026
From: PLAID INC.
To: BARCLAYS BANK PLC
Reel/Frame 076082/0108 →
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Nov 1, 2024
From: HOCKEY, WILLIAM; ZHENG, JOY; SHOGRY, BAKER; KELLY, MICHAEL
To: PLAID INC.
Reel/Frame 069098/0911 →