Patent ID: 11922492
Assignee: PLAID INC.
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 0:
1. A computer-implemented method for accessing user data using an application proxy instance, the method comprising:
receiving, by a computing platform from a computing device and via a normalized application programming interface (API), a request for user data associated with an account of a first user held by a first financial institution, wherein the first financial institution provides a first-party user application that enables users of the first financial institution to access data stored by the first financial institution via a first API specific to the first financial institution;
generating, by an application proxy system implemented on the computing platform, a first application proxy instance of the first-party user application by generating a digital image of an instance of the first-party user application of the first financial institution, wherein the first application proxy instance of the first-party user application is specific to the first user;
negotiating, by the application proxy system, registration of the first application proxy instance of the first-party user application, wherein negotiating registration of the first application proxy instance of the first-party user application includes providing credentials of the first user to the first financial institution;
storing, by the application proxy system, the first application proxy instance of the first-party user application in a memory, wherein the memory includes a plurality of application proxy instances associated with a plurality of users of the first financial institution;
initiating, by the application proxy system, using the first application proxy instance of the first-party user application and via the first API specific to the first financial institution, a communication session with the first financial institution to retrieve the requested user data;
retrieving, by the computing platform and via the communication session, the requested user data;
formatting, by the computing platform, the retrieved user data to a standardized format of the normalized API; and
transmitting, by the computing platform, to the computing device and in response to the request for user data, the retrieved user data in the standardized format.