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

Claim 20:
21. The one or more non-transitory computer-readable media of claim 17, wherein the instructions, when executed, further cause the computing platform to:
receive, via the normalized API, a subsequent request for user data at the first financial institution;
determine whether the communication session with the first financial institution has expired, and in response:
when the communication session with the first financial institution has not expired, retrieve the subsequently requested user data; and
when the communication session with the first financial institution has expired, initiate, via the application proxy instance of the first-party user application including the credentials of the first user, 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.