User permissions for access to secure data at third-party

A computer-implemented method performed by a computing system having one or more hardware computer processors, the computer-implemented method comprising:

• receiving, from a user computing device, authorization to access account data items associated with the user stored by a financial institution,
• accessing, by an account access system, the account data items associated with the user from the financial institution, wherein the account data items include financial transaction data of individual transactions between the user and a plurality of third parties;
• automatically inferring an account of the user with a third-party entity by identifying the third-party entity as a recipient of a transaction of the individual transactions based at least on an application by the account access system of an account identification rule to the account data items, wherein the account access system is operated by an entity other than the financial institution, wherein the account identification rule comprises a rule to identify an account type that impacts credit scores of users, wherein automatically inferring the account of the user comprises:
• grouping transactions based on a description or memo associated with each of two or more individual transactions;
• determining a time interval associated with the grouped transactions, wherein determining the time interval comprises identifying a number of days between a first and second transaction of the grouped transactions;
• determining a likelihood that the grouped transactions are of an account type based on the time interval and the description or memo for at least one of the transactions of the grouped transactions;
• and
• automatically inferring the account of the user based on the likelihood;
• receiving, from the user computing device, a request to update credit data of the user to include the account, wherein the account is not included in the credit data prior to receiving the request;
• generating an account creation data package formatted for ingestion at a secured third-party credit bureau database to initiate addition of the account to credit data of the user, the account creation data package including account information identifying the account, wherein the account information is formatted for ingestion by the secured third-party credit bureau database to initiate addition of the account to credit data of the user;
• identifying an Application Programming Interface (API) token associated with the secured third-party credit bureau database, wherein the API token (a) comprises encrypted data, (b) is issued by a secured third-party credit bureau system and (c) is specific to the computing system;
• transmitting the API token to the secured third-party credit bureau system to establish a secure API communication channel which enables direct communication between the computing system and the secured third-party credit bureau system;
• and
• transmitting the account creation data package to the secured third-party credit bureau system via the secure API communication channel established with the third-party credit bureau system, wherein the secured third-party credit bureau system is not provided with at least a subset of the financial transaction data of the individual transactions accessed from the financial institution by the account access system.

A computing system comprising:

• a memory;
• and
• a hardware computer processor configured to perform operations comprising:
• receiving, from a user computing device, authorization to access account data items associated with a user stored by a financial institution;
• accessing, by an account identification component of the computing system, the account data items associated with the user from the financial institution, wherein the account data items include financial transaction data of individual transactions between the user and a plurality of third-parties;
• automatically inferring an account of the user with a third-party entity by identifying the third-party entity as a recipient of a transaction of the individual transactions based at least on an application by the account identification component of an account identification rule to the account data items, wherein the computing system and the account identification component are operated by an entity other than the financial institution, wherein the account identification rule comprises a rule to identify an account type that impacts credit scores of users;
• receiving, from the user computing device, a request to update credit data of the user to include the account, wherein the account is not included in the credit data prior to receiving the request;
• generating an account creation data package formatted for ingestion at a secured third-party credit bureau database to initiate addition of the account to credit data of the user, the account creation data package including account information identifying the account, wherein the account information is formatted for ingestion by the secured third-party credit bureau database to initiate addition of the account to credit data of the user;
• identifying an Application Programming Interface (API) token associated with the secured third-party credit bureau database, wherein the API token is issued by a secured third-party credit bureau system and is specific to the computing system;
• transmitting the API token to the secured third-party credit bureau system to establish a secure API communication channel which enables direct communication between the computing system and the secured third-party credit bureau system;
• and
• transmitting the account creation data package to the secured third-party credit bureau system via the secure API communication channel established with the third-party credit bureau system, wherein the secured third-party credit bureau system is not provided with at least a subset of the financial transaction data of the individual transactions accessed from the financial institution by the account identification component.

A non-transitory computer readable medium having processor-executable instructions stored thereon, wherein the processor-executable instructions when executed by a hardware computer processor configure the hardware computer processor to perform operations comprising:

• receiving, from a user computing device, authorization to access account data items associated with a user stored by a financial institution,
• accessing, by an account identification component of a computing system, the account data items associated with the user from the financial institution, wherein the account data items include financial transaction data of individual transactions between the user and a plurality of third-parties;
• automatically inferring an account of the user with a third-party entity by identifying the third-party entity as a recipient of a transaction of the individual transactions based at least on an application by the account identification component of an account identification rule to the account data items, wherein the computing system and the account identification component are operated by an entity other than the financial institution, wherein the account identification rule comprises a rule to identify an account type that impacts credit scores of users;
• receiving, from the user computing device, a request to update credit data of the user to include the account identified in the account data items, wherein the account is not included in the credit data prior to receiving the request;
• generating an account creation data package formatted for ingestion at a secured third-party credit bureau database to initiate addition of the account to credit data of the user, the account creation data package including account information identifying the account, wherein the account information is formatted for ingestion by the secured third-party credit bureau database to initiate addition of the account to credit data of the user;
• identifying an Application Programming Interface (API) token associated with the secured third-party credit bureau database, wherein the API token is issued by a secured third-party credit bureau system;
• transmitting the API token to the secured third-party credit bureau system to establish a secure API communication channel which enables direct communication with the secured third-party credit bureau system;
• and
• transmitting the account creation data package to the secured third-party credit bureau system via the secure API communication channel established with the third-party credit bureau system, wherein the secured third-party credit bureau system is not provided with at least a subset of the financial transaction data of the individual transactions accessed from the financial institution by the account identification component.