Cloud-based systems and methods for providing consumer financial data
First Claim
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 Assignments
0 Petitions
Accused Products
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.
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Citations
20 Claims
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1. A system for configuring a mobile application executable on a mobile device by providing authenticated, cloud-based access to consumer data, comprising:
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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. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
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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:
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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. - View Dependent Claims (10, 11, 12, 13, 14, 15, 16)
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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:
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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. - View Dependent Claims (18, 19, 20)
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Specification