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

Claim 16:
17. One or more non-transitory computer-readable media storing instructions that, when executed, cause a computing platform for accessing user data using an application proxy instance to:
receive, 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;
generate 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;
negotiate 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;
store the first application proxy instance of the first-party user application in the memory, wherein the memory includes a plurality of application proxy instances associated with a plurality of users of the first financial institution;
initiate, 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;
retrieve, via the communication session, the requested user data;
format the retrieved user data to a standardized format of the normalized API; and
transmit, to the computing device and in response to the request for user data, the retrieved user data in the standardized format.