Plaid Inc.

États‑Unis d’Amérique

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International - WIPO
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Date
2022 2
2021 3
2020 1
Avant 2020 1
Classe IPC
G06F 15/173 - Communication entre processeurs utilisant un réseau d'interconnexion, p. ex. matriciel, de réarrangement, pyramidal, en étoile ou ramifié 1
G06F 21/00 - Dispositions de sécurité pour protéger les calculateurs, leurs composants, les programmes ou les données contre une activité non autorisée 1
G06F 21/30 - Authentification, c.-à-d. détermination de l’identité ou de l’habilitation des responsables de la sécurité 1
G06F 21/31 - Authentification de l’utilisateur 1
G06F 21/41 - Authentification de l’utilisateur par une seule ouverture de session qui donne accès à plusieurs ordinateurs 1
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1.

SYSTEMS AND METHODS FOR DATA PARSING

      
Numéro d'application US2021071851
Numéro de publication 2022/082186
Statut Délivré - en vigueur
Date de dépôt 2021-10-13
Date de publication 2022-04-21
Propriétaire PLAID INC. (USA)
Inventeur(s)
  • Jin, Zhongkun
  • Arous, Louis, Ben
  • Abe, Kinako
  • Barannikova, Yulia

Abrégé

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.

Classes IPC  ?

  • G06F 40/205 - Analyse syntaxique
  • G06F 40/279 - Reconnaissance d’entités textuelles
  • G06N 3/02 - Réseaux neuronaux
  • G06N 20/00 - Apprentissage automatique
  • G06Q 20/38 - Protocoles de paiementArchitectures, schémas ou protocoles de paiement leurs détails

2.

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

      
Numéro d'application US2021046456
Numéro de publication 2022/040283
Statut Délivré - en vigueur
Date de dépôt 2021-08-18
Date de publication 2022-02-24
Propriétaire PLAID INC. (USA)
Inventeur(s)
  • Kiefer, William, Frederick
  • Jacokes, Michael, Brian
  • Dudek, Jan, Maksymillian
  • Tindall, Nathan, James

Abrégé

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.

Classes IPC  ?

  • H04J 3/16 - Systèmes multiplex à division de temps dans lesquels le temps attribué à chacun des canaux au cours d'un cycle de transmission est variable, p. ex. pour tenir compte de la complexité variable des signaux, pour adapter le nombre de canaux transmis
  • G06F 15/173 - Communication entre processeurs utilisant un réseau d'interconnexion, p. ex. matriciel, de réarrangement, pyramidal, en étoile ou ramifié

3.

SECURE UPDATING OF ALLOCATIONS TO USER ACCOUNTS

      
Numéro d'application US2021030808
Numéro de publication 2021/226188
Statut Délivré - en vigueur
Date de dépôt 2021-05-05
Date de publication 2021-11-11
Propriétaire PLAID INC. (USA)
Inventeur(s)
  • Lai, Michael
  • Wang, Jeffrey Zhiyuan
  • Cano, Raymond
  • Johnson, Maxwell Dodge
  • Fisher, Thomas

Abrégé

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.

Classes IPC  ?

  • G06F 9/54 - Communication interprogramme
  • G06Q 40/02 - Opérations bancaires, p. ex. calcul d'intérêts ou tenue de compte
  • G06Q 20/40 - Autorisation, p. ex. identification du payeur ou du bénéficiaire, vérification des références du client ou du magasinExamen et approbation des payeurs, p. ex. contrôle des lignes de crédit ou des listes négatives

4.

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

      
Numéro d'application US2020065698
Numéro de publication 2021/127240
Statut Délivré - en vigueur
Date de dépôt 2020-12-17
Date de publication 2021-06-24
Propriétaire PLAID INC. (USA)
Inventeur(s)
  • Morse, Eric
  • Johnson, Max
  • Gibbons, Austin, Lin
  • Hu, Kevin
  • Naik, Samir

Abrégé

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.

Classes IPC  ?

  • G06F 21/31 - Authentification de l’utilisateur
  • G06F 21/45 - Structures ou outils d’administration de l’authentification
  • H04L 9/32 - Dispositions pour les communications secrètes ou protégéesProtocoles réseaux de sécurité comprenant des moyens pour vérifier l'identité ou l'autorisation d'un utilisateur du système
  • H04W 12/06 - Authentification

5.

SYSTEM AND METHOD LINKING TO ACCOUNTS USING CREDENTIAL-LESS AUTHENTICATION

      
Numéro d'application US2020051289
Numéro de publication 2021/055618
Statut Délivré - en vigueur
Date de dépôt 2020-09-17
Date de publication 2021-03-25
Propriétaire PLAID INC. (USA)
Inventeur(s)
  • Hockey, William
  • Agin, Nick
  • Shogry, Baker
  • Naik, Samir
  • Chao, Jonathan

Abrégé

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.

Classes IPC  ?

  • G06F 21/41 - Authentification de l’utilisateur par une seule ouverture de session qui donne accès à plusieurs ordinateurs
  • G06F 21/62 - Protection de l’accès à des données via une plate-forme, p. ex. par clés ou règles de contrôle de l’accès
  • G06F 21/30 - Authentification, c.-à-d. détermination de l’identité ou de l’habilitation des responsables de la sécurité

6.

SYSTEM AND METHOD OF FILTERING INTERNET TRAFFIC VIA A CLIENT FINGERPRINT

      
Numéro d'application US2019068944
Numéro de publication 2020/140114
Statut Délivré - en vigueur
Date de dépôt 2019-12-30
Date de publication 2020-07-02
Propriétaire PLAID INC. (USA)
Inventeur(s) Bracken, Shawn

Abrégé

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.

Classes IPC  ?

  • G06F 21/00 - Dispositions de sécurité pour protéger les calculateurs, leurs composants, les programmes ou les données contre une activité non autorisée

7.

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

      
Numéro d'application US2019027548
Numéro de publication 2019/200402
Statut Délivré - en vigueur
Date de dépôt 2019-04-15
Date de publication 2019-10-17
Propriétaire PLAID INC. (USA)
Inventeur(s)
  • Hockey, William
  • Zheng, Joy
  • Shogry, Baker
  • Kelly, Michael

Abrégé

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.

Classes IPC  ?

  • G06Q 40/00 - FinanceAssuranceStratégies fiscalesTraitement des impôts sur les sociétés ou sur le revenu