US 2025/0061433 A1 · SYSTEMS AND METHODS FOR NETWORKING USER ACCOUNT DATA BETWEEN DIFFERENT ENTITIES

Abstract

A service provider server establishes a link to network (e.g., share) and reduce steps to complete a transaction between an electronic device of a user and a third party server. When the user, via their electronic device, accesses a service provider server to conduct a transaction between the user and the third party server, the service provider server may store the user account data and/or access information for accessing the user account data, received from a financial institution, as a link. When the user, via their electronic device, accesses the service provider server again to transact with a subsequent third party server, the service provider server may receive a request from the subsequent third party server for user account data. The service provider server may use the link to provide other third parties with the user account data, subject to one or more conditions imposed on the payment provider.

Claims20

Dependent claims

A method, comprising:

establishing, by a first server and with a second server, a link to user account data at the second server, the link being established for providing the user account data to a first third party server, wherein the link is associated with one or more access criteria;
receiving, at the first server, a server request to provide at least a portion of the user account data to a second third party server;
in response to determining, based on at least the one or more criteria being satisfied, providing access to the user account data to the second third party server via the link;
in response to determining that the first server is authorized based on the one or more criteria being satisfied, providing, via the link, the access to the user account data to the second third party server;
and
in response to determining that the first server is not authorized, providing a user request for user authorization for providing the access to the user account data to the second third party server.

3 more elements

A system comprising:

a memory;
and
a processor configured to:
establish, by a first server and with a second server, a link to user account data at the second server, the link being established for providing a first set of one or more data fields of the user account data to a first third party server, wherein the link is associated with one or more access restrictions;
receive, at the first server, a server request to provide a second set of one or more data fields of the user account data to a second third party server;
determine, based on at least the one or more access restrictions, whether the second set of one or more data fields is a subset of the first set of one or more data fields;
in response to determining that the second set of one or more data fields is in the subset of the first set of one or more data fields, provide, via the link, access to the user account data to the second third party server;
and
in response to determining that the second set of one or more data fields is not in the subset of the first set of one or more data fields, provide a request to a user of the user account data for user authorization for providing the access to the user account data to the second third party server.

6 more elements

A non-transitory computer-readable medium, comprising:

computer-readable instructions that, when executed by a processor, cause the processor to perform one or more operations comprising:
establishing, by a first server and with a second server, a link to user account data at the second server, the link being established for providing the user account data to a first third party server;
receiving, at the first server, a server request to provide at least a portion of the user account data to a second third party server;
determining, based on one or more rules, whether the first server is authorized to provide access to the user account data to the second third party server via the link;
in response to determining that the first server is authorized, providing, via the link, the access to the user account data to the second third party server;
and
in response to determining that the first server is not authorized, providing a user request for user authorization for providing the access to the user account data to the second third party server.

4 more elements

Dependencies are inferred from the claim text.

Systems and methods for networking user account data between different entities

Life of this patent

Systems and methods for networking user account data between different entities

Life of this patent

Abstract

Claims20