Patent ID: 11869005
Assignee: PLAID INC.
Field: Digital communication (Electrical engineering)
Classification: CPC G  H | IPC G  H

Claim 16:
17. A system comprising:
one or more memories; and
one or more processors, associated with an account-linking service, configured to:
receive a request to establish an account link for a first application of a plurality of applications,
wherein the account-linking service provides a proxy service that simulates the plurality of applications and facilitates interaction between the plurality of applications and one or more account services;

establish the account link to a user account of an account service, of the one or more account services, using user credentials collected through an application client of a first application context;
receive user identifying information of a first application context and storing the user identifying information in association with the account link;
receive user identifying information of a second application context for a second application of the plurality of applications, wherein the second application is an independent application from the first application operable on a computing device;
search and identify a candidate account link using the user identifying information of the second application context;
verify eligibility for access to the account link based on verification of association of the user identifying information of the second application context and the user identifying information of the first application context;
permit, based on successful verification of eligibility, access to the account link; and
establish, in response to failing to verify eligibility, the account link to the user account of the account service using user credentials collected from the application client of the second application context.