Patent ID: 11887069
Assignee: PLAID INC.
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 0:
1. A permissions management system for changing future recurring transfers associated with a user having an employer associated with an external institution, the system comprising:
one or more computer readable storage mediums having program instructions embodied therewith;
a database that matches employers to external institutions; and
one or more processors configured to execute the program instructions to cause the system to:
receive a request to change future recurring transfers;
receive an identification of a user;
identify an employer associated with the identified user;
identify an external institution associated with the future recurring transfers from the database based on the identified employer;
initiate, based on the identified external institution, a simulated instance of a software application of the external institution to determine a set of endpoints and a set of the future recurring transfers to the endpoints associated with the identified user, wherein the simulated instance of the software application is configured to appear as a first-party application installed on a user device from the perspective of the external institution, and wherein the simulated instance is specifically configured to interface with an application programming interface (“API”) of the external institution with computing devices associated with the external institution;
receive a request from the user to change at least one of the set of the endpoints and the set of the future recurring transfers to the endpoints; and
using the simulated instance, execute the requested change to at least one of the set of the endpoints or the set of the future recurring transfers to the endpoints.