Plaid Inc.

United States of America

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2022 2
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IPC Class
G06F 15/173 - Interprocessor communication using an interconnection network, e.g. matrix, shuffle, pyramid, star or snowflake 1
G06F 21/00 - Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity 1
G06F 21/30 - Authentication, i.e. establishing the identity or authorisation of security principals 1
G06F 21/31 - User authentication 1
G06F 21/41 - User authentication where a single sign-on provides access to a plurality of computers 1
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Found results for  patents

1.

SYSTEMS AND METHODS FOR DATA PARSING

      
Application Number US2021071851
Publication Number 2022/082186
Status In Force
Filing Date 2021-10-13
Publication Date 2022-04-21
Owner PLAID INC. (USA)
Inventor
  • Jin, Zhongkun
  • Arous, Louis, Ben
  • Abe, Kinako
  • Barannikova, Yulia

Abstract

Systems and methods for data parsing are disclosed. In one aspect, a method of parsing raw data associated with one or more transactions involves receiving a text string including raw data for a transaction, matching the text string to a plurality of locations within a location corpus to extract location information from the text string, and identifying a candidate entity from the text string based on a similarity score with respect to a plurality of entities within an entity corpus. The method further involves in response to the similarity score of the identified candidate entity being less than a threshold score, generating entity information using the tokens indicative of entity information, and generating normalized transaction data including the extracted location information and one of the identified candidate entity or the generated entity information.

IPC Classes  ?

2.

SYSTEM AND METHOD FOR MANAGING USER INTERACTION FLOWS WITHIN THIRD PARTY APPLICATIONS

      
Application Number US2021046456
Publication Number 2022/040283
Status In Force
Filing Date 2021-08-18
Publication Date 2022-02-24
Owner PLAID INC. (USA)
Inventor
  • Kiefer, William, Frederick
  • Jacokes, Michael, Brian
  • Dudek, Jan, Maksymillian
  • Tindall, Nathan, James

Abstract

A system and method for cloud management of user interactions on a client device comprising: initiating, in response to an initiation request of a client application, processing of a workflow configuration with an initial session state, wherein the workflow is a data model of a graph of nodes connected with directed edges, where the nodes include a set of node types that includes at least a pane node; iteratively processing the workflow configuration, initially using the initial session state, and thereby generating rendered panes for use in a user interaction flow of a client application, which comprises: following a next edge of the workflow configuration to determine a next workflow node, processing the next workflow node, which comprises, when the next workflow node is a pane node, rendering the pane node into a rendered pane, and sending the rendered panes to the client device.

IPC Classes  ?

  • H04J 3/16 - Time-division multiplex systems in which the time allocation to individual channels within a transmission cycle is variable, e.g. to accommodate varying complexity of signals, to vary number of channels transmitted
  • G06F 15/173 - Interprocessor communication using an interconnection network, e.g. matrix, shuffle, pyramid, star or snowflake

3.

SECURE UPDATING OF ALLOCATIONS TO USER ACCOUNTS

      
Application Number US2021030808
Publication Number 2021/226188
Status In Force
Filing Date 2021-05-05
Publication Date 2021-11-11
Owner PLAID INC. (USA)
Inventor
  • Lai, Michael
  • Wang, Jeffrey Zhiyuan
  • Cano, Raymond
  • Johnson, Maxwell Dodge
  • Fisher, Thomas

Abstract

Systems and methods for secure updating of allocations to user accounts are provided. In one aspect, a system includes one or more computer readable storage mediums having program instructions embodied therewith, and one or more processors configured to cause the system to identify an external institution associated with the future transfers, and initiate, based on the identified external institution, a proxy instance of a software application of the external institution to determine a set of endpoints and a set of the future transfers to the endpoints. The system is further configured to receive a request from a user to change at least one of the set of the endpoints and the set of the further transfers to the endpoints, and use the proxy instance, executing the requested change to at least one of the set of the endpoints or the set of the future transfers to the endpoints.

IPC Classes  ?

  • G06F 9/54 - Interprogram communication
  • G06Q 40/02 - Banking, e.g. interest calculation or account maintenance
  • G06Q 20/40 - Authorisation, e.g. identification of payer or payee, verification of customer or shop credentialsReview and approval of payers, e.g. check of credit lines or negative lists

4.

SYSTEM AND METHOD FOR ASSESSING A DIGITAL INTERACTION WITH A DIGITAL THIRD PARTY ACCOUNT SERVICE

      
Application Number US2020065698
Publication Number 2021/127240
Status In Force
Filing Date 2020-12-17
Publication Date 2021-06-24
Owner PLAID INC. (USA)
Inventor
  • Morse, Eric
  • Johnson, Max
  • Gibbons, Austin, Lin
  • Hu, Kevin
  • Naik, Samir

Abstract

A system and method for assessing digital interactions with a digital third party accounts can include receiving user account credentials for authentication with an external computing system, storing the user account credentials in association with a authentication token and communicating the authentication token to a computing device of an external application service; receiving, through a programmatic communication interface, a request that references the authentication token and digital interaction details; programmatically authenticating, using the stored user account credentials, as a user account with the external computing system and retrieving account data; processing the account data in combination with the digital interaction details and thereby generating a digital interact assessment; and initiating execution of a digital interaction based in part on the digital interaction assessment.

IPC Classes  ?

  • G06F 21/31 - User authentication
  • G06F 21/45 - Structures or tools for the administration of authentication
  • H04L 9/32 - Arrangements for secret or secure communicationsNetwork security protocols including means for verifying the identity or authority of a user of the system
  • H04W 12/06 - Authentication

5.

SYSTEM AND METHOD LINKING TO ACCOUNTS USING CREDENTIAL-LESS AUTHENTICATION

      
Application Number US2020051289
Publication Number 2021/055618
Status In Force
Filing Date 2020-09-17
Publication Date 2021-03-25
Owner PLAID INC. (USA)
Inventor
  • Hockey, William
  • Agin, Nick
  • Shogry, Baker
  • Naik, Samir
  • Chao, Jonathan

Abstract

A system and method for linking to accounts using credential-less authentication that includes: within a first application context at an account-linking computing service: receiving a request to establish an account link, establishing the account link to a user account of an account service using user credentials, and receiving user identifying information of the first application context and storing the user identifying information in association with the account link; and within a second application context at the account-linking computing service: receiving user identifying information of the second application context, searching and identifying a candidate account link using the user identifying information of the second application context, verifying eligibility for access to the account link, and permitting access to the account link upon successful verification of eligibility.

IPC Classes  ?

  • G06F 21/41 - User authentication where a single sign-on provides access to a plurality of computers
  • G06F 21/62 - Protecting access to data via a platform, e.g. using keys or access control rules
  • G06F 21/30 - Authentication, i.e. establishing the identity or authorisation of security principals

6.

SYSTEM AND METHOD OF FILTERING INTERNET TRAFFIC VIA A CLIENT FINGERPRINT

      
Application Number US2019068944
Publication Number 2020/140114
Status In Force
Filing Date 2019-12-30
Publication Date 2020-07-02
Owner PLAID INC. (USA)
Inventor Bracken, Shawn

Abstract

A system and method that includes receiving a client data packet from network traffic with a client device; extracting a set of packet components from the client data packet; generating a client fingerprint from the set of packet components; assigning a client type to the network traffic using the client fingerprint; and optionally filtering the network traffic of the client device based at least in part on the client type.

IPC Classes  ?

  • G06F 21/00 - Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity

7.

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

      
Application Number US2019027548
Publication Number 2019/200402
Status In Force
Filing Date 2019-04-15
Publication Date 2019-10-17
Owner PLAID INC. (USA)
Inventor
  • Hockey, William
  • Zheng, Joy
  • Shogry, Baker
  • Kelly, Michael

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.

IPC Classes  ?

  • G06Q 40/00 - FinanceInsuranceTax strategiesProcessing of corporate or income taxes