Cloud-based systems and methods for providing consumer financial data

• US 10,055,727 B2
• Filed: 11/05/2013
• Issued: 08/21/2018
• Est. Priority Date: 11/05/2012
• Status: Active Grant

• Current Assignee: Fidelity Information Services, LLC (Fidelity National Information Services Incorporated)
• Original Assignee: mFoundry Incorporated (Fidelity National Information Services Incorporated)
• Inventors: Aiglstorfer, Rodney
• Primary Examiner(s): Ojiaku, Chikaodinaka
• Application Number:
  US14/071,869
• Publication Number:
  US 20140129448A1
• Time in Patent Office: 1,750 Days
• Field of Search: None
• CPC Class Codes: G06Q 20/3221 Access to banking information through M-devices
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions

Abstract

Systems and methods are disclosed for providing cloud-based access to consumer financial information. A cloud-based platform may receive a notification from a server, the notification comprising a request to access consumer data associated with a financial services account. After confirming authorization by both the associated financial services account provider and the consumer, the platform may configure a software object identifying the server and at least a portion of the consumer data that the server is authorized to access. After presentation of the configured software object by the third party server, the platform may verify the configured software object, and provide to the server access to the authorized consumer data. The server may then utilize the provided consumer data to perform a mobile service for the consumer.

Claims

1. A system for configuring a mobile application executable on a mobile device by providing authenticated, cloud-based access to consumer data, comprising:

a memory storing instructions; and

a processor configured to execute the instructions to;

receive, based on a consumer request for the mobile application from an entity, an authorization request from a server associated with the entity requesting access to consumer data on a cloud platform, the consumer data being associated with a service account of the consumer that is accessible to the mobile application;

determine that a service account provider associated with the service account has granted authorization for the entity to access at least an authorized portion of the consumer data;

determine that the consumer associated with the service account has granted authorization for the entity to access at least the authorized portion of the consumer data;

generate and store a digital certificate identifying the entity and the authorized portion of the consumer data based on the determination that the service provider and the consumer has granted authorization for the entity to access at least the authorized portion of the consumer data;

receive, from the server, a request to access a requested portion of the consumer data;

based on the stored digital certificate, verify that the requested portion of the consumer data is within the authorized portion of the consumer data; and

provide, to the server, access to the requested portion of consumer data to configure the mobile application of the mobile device.

2. The system of claim 1, wherein the digital certificate comprises a Secure Sockets Layer (SSL) certificate.

3. The system of claim 1, wherein providing the requested portion of the consumer data comprises permitting the server remote read-only access to the data, and a digital copy of the requested portion of the consumer data is not transmitted to the server.

4. The system of claim 3, wherein the requested portion of the consumer data is accessed by the server via a link to an external computing system associated with the service account provider.

5. The system of claim 1, wherein the consumer data comprises one or more of information associated with a consumer financial services account or a banking function associated with the account.

6. The system of claim 5, wherein the information associated with the consumer financial services account comprises one or more of financial services accounts associated with the consumer, account balances of a consumer financial services account, transactions processed with the consumer financial services account, the credit score of the consumer, or demographic information associated with the consumer.

7. The system of claim 5, wherein the banking function associated with the account comprises one or more of configuring account related alerts, configuring automatic bill payment, transferring funds among financial services accounts associated with the consumer, transferring funds to external accounts, and searching for nearby locations associated with the financial services account provider.

8. The system of claim 1, wherein the digital certificate further comprises information designating at least one of:

a portion of the consumer data that the server is authorized to access; and

a portion of the consumer data that the server is not authorized to access.

9. A non-transitory computer-readable medium storing instructions executable by a processor to cause a computer system to execute a method for configuring a mobile application executable on a mobile device by providing authenticated, cloud-based access to consumer information, comprising:

receiving, based on a consumer request for the mobile application from an entity, an authorization request from a server associated with the entity requesting access to consumer data on a cloud platform, the consumer data being associated with a service account of the consumer that is accessible to the mobile application;

determining that a service account provider associated with the service account has granted authorization for the entity to access at least an authorized portion of the consumer data and that the consumer associated with the service account has granted authorization for the entity to access at least the authorized portion of the consumer data;

generating and storing a digital certificate identifying the entity and the authorized portion of the consumer data based on the determination that the service provider and the consumer has granted authorization for the entity to access to at least the authorized portion of the consumer data;

receiving from the server a request to access a requested portion of the consumer data;

based on the stored digital certificate, verifying that the requested portion of the consumer data is within the authorized portion of the consumer data; and

providing, to the server, access to the requested portion of the consumer data.

10. The non-transitory computer-readable medium of claim 9, wherein the digital certificate comprises a Secure Sockets Layer (SSL) certificate.

11. The non-transitory computer-readable medium of claim 9, wherein providing the requested portion of the consumer data comprises permitting the server remote read-only access to the data, and a digital copy of the requested portion of the consumer data is not transmitted to the server.

12. The non-transitory computer-readable medium of claim 11, wherein the requested portion of the consumer data is accessed by the server via a link to an external computing system associated with the service account provider.

13. The non-transitory computer-readable medium of claim 9, wherein the consumer data comprises one or more of information associated with a consumer financial services account or a banking function associated with the account.

14. The non-transitory computer-readable medium of claim 13, wherein information associated with the consumer financial services account comprises one or more of financial services accounts associated with the consumer, account balances of a consumer financial services account, transactions processed with the consumer financial services account, the credit score of the consumer, or demographic information associated with the consumer.

15. The non-transitory computer-readable medium of claim 13, wherein the banking function associated with the account comprises one or more of configuring account related alerts, configuring automatic bill payment, transferring funds among financial services accounts associated with the consumer, transferring funds to external accounts, and searching for nearby locations associated with the financial services account provider.

16. The non-transitory computer-readable medium of claim 9, wherein the digital certificate further comprises information designating at least one of:

a portion of the consumer data that the server is authorized to access; and

a portion of the consumer data that the server is not authorized to access.

17. A computer-implemented method for configuring a mobile application executable on a mobile device by providing authenticated, cloud-based access to consumer information, comprising:

receiving, based on a consumer request for the mobile application from an entity, an authorization request from a server associated with the entity requesting access to consumer data on a cloud platform, the consumer data being associated with a service account of the consumer that is accessible to the mobile application;

determining that a service account provider associated with the service account has granted authorization for the entity to access to at least an authorized portion of the consumer data and that the consumer associated with the service account has granted authorization for the entity to access at least the authorized portion of the consumer data;

generating and storing a digital certificate identifying the entity and the authorized portion of the consumer data based on the determination that the service provider and the consumer has granted authorization for the entity to access at least the authorized portion of the consumer data;

receiving from the server a request to access a requested portion of the consumer data;

based on the stored digital certificate, verifying that the requested portion of the consumer data is within the authorized portion of the consumer data; and

providing, to the server, access to the requested portion of the consumer data to configure the mobile application of the mobile device.

18. The method of claim 17, wherein the consumer data comprises one or more of information associated with a consumer financial services account or a banking function associated with the account.

19. The method of claim 18, wherein the information associated with the consumer financial services account comprises one or more of financial services accounts associated with the consumer, account balances of a consumer financial services account, transactions processed with the consumer financial services account, the credit score of the consumer, or demographic information associated with the consumer.

20. The method of claim 18, wherein the banking function associated with the account comprises one or more of configuring account related alerts, configuring automatic bill payment, transferring funds among financial services accounts associated with the consumer, transferring funds to external accounts, and searching for nearby locations associated with the financial services account provider.