Externally held account discovery and aggregation
AssigneeMx Technologies, Inc.
InventorsDaniel Ries, John Ryan Caldwell
Life of this patent
Estimating the term…
Abstract
Apparatuses, systems, methods, and computer program products are disclosed for externally held account discovery and aggregation. A method includes aggregating transactions of a first service provider from one or more servers to a trusted hardware device. A method includes identifying, on a trusted hardware device, one or more transactions of a first service provider between an account of a user with the first service provider and an account of the user with a second service provider. A method includes prompting a user for electronic credentials for an account of the user with a second service provider. A method includes accessing data of a user from a second service provider on behalf of the user using electronic credentials.
Claims20
A method comprising:
- aggregating transactions of a first service provider from one or more servers to a trusted hardware device;
- identifying, on the trusted hardware device, one or more of the transactions of the first service provider, between an account of a user with the first service provider and an account of the user with a second service provider;
- prompting the user for electronic credentials for the account of the user with the second service provider;
- and
- accessing data of the user from the second service provider on behalf of the user using the electronic credentials.
An apparatus comprising:
- a trusted hardware device authorized by a user to use a plurality of electronic credentials for the user, the trusted hardware device configured to:
- aggregate transactions of a first service provider from one or more servers using one or more of the electronic credentials for the user;
- identify one or more of the aggregated transactions associated with both the first service provider and with a second service provider for which the trusted hardware device has not yet received electronic credentials for the user;
- prompt the user for the electronic credentials for the user for the second service provider;
- and
- aggregate transactions of the second service provider, using the electronic credentials for the user for the second service provider.
A system comprising:
- a backend server that identifies one or more externally held accounts for at least a subset of a plurality of users based on aggregated transaction data for each of the plurality of users from a service provider associated with the backend server, the one or more externally held accounts held for the subset of users by a third party service provider;
- and
- a plurality of external account modules located on hardware devices for the plurality of users, the external account modules configured to prompt at least the subset of users for electronic credentials for the third party service provider and to aggregate transaction data for one or more of the users from the third party service provider using the electronic credentials.
Dependencies are inferred from the claim text.