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

Claim 18:
19. The one or more non-transitory computer-readable media of claim 17, further including instructions that, when executed, cause the computing platform to:
receive, from the computing device and via the normalized API, a subsequent request for user data of the first user;
retrieve, from the memory, the first application proxy instance of the first-party user application;
initiate, via the retrieved first application proxy instance of the first-party user application and with the first API specific to the first financial institution, a subsequent communication session with the first financial institution to retrieve the subsequently requested user data;
determine that the subsequently requested user data is not available via the first application proxy instance of the first-party user application;
responsive to determining that the subsequently requested user data is not available via the first application proxy instance of the first-party user application, perform one of:
retrieve a second application proxy instance of the first-party user application associated with the first user to retrieve the subsequently requested user data; or
generate a second application proxy instance of the first-party user application associated with the first user to retrieve the subsequently requested user data.