Patent ID: 8949940
Filing Date: 2015-02-03
Classification: G06Q

Abstract:
1. A method comprising: receiving, by an aggregator via a network, first data from a first issuer, the first data including: confidential information associated with a user; an account identifier to enable the first issuer to access an account hosted by the aggregator that is associated with the user, the account identifier including at least a portion of user registration data provided to the user when the user initially registered with the aggregator; and an issuer identifier associated with the first issuer; authenticating an identity of the first issuer based on the issuer identifier; determining whether the first issuer is authorized to provide the first data based at least in part on the account identifier and the issuer identifier; in response to determining that the first issuer is authorized to provide the first data, identifying the account associated with the user based on the account identifier; in response to determining, based on a type of the first data, that the first data is to be stored using a hierarchical structure, determining whether the account includes the hierarchical structure; in response to determining that the account does not include the hierarchical structure, automatically creating the hierarchical structure within the account based on the type of the first data; in response to determining that the account includes a user-specified location provided by the user, storing the first data in the account based on the user-specified location; in response to determining that the account does not include the user-specified location, determining whether the first data includes a first storage location identifier; in response to determining that the first data includes the first storage location identifier, storing the first data in a first location within the account based on the first storage location identifier; in response to determining that the first data does not include the first storage location identifier, storing the data in a default location in the account; receiving, by the aggregator via a network, second data from a second issuer, the second data including the account identifier to indicate that the second data is associated with the user, wherein the second issuer is an auto-issuer that sends user data to the aggregator using an application programming interface (API) provided by one of the aggregator or the auto-issuer, the API enabling the auto-issuer to automatically send the user data to multiple user accounts hosted by the aggregator; and in response to authenticating the identity of the second issuer based at least partly on the account identifier, storing the second data in a second location within the account based on a second storage location identifier included in the second data, the second location used to store data received from the second issuer.