Cloud-based system and methods for providing consumer financial data
First Claim
1. A system for configuring mobile applications executable on mobile devices by providing cloud-based access to consumer financial data, comprising:
- a memory storing instructions; and
a processor configured to execute the instructions to;
receive a request from an entity configuring a mobile application on a mobile device to access consumer data on a cloud platform, the consumer data being associated with a financial service account;
determine a financial service account provider has authorized access by the entity to at least a portion of the consumer data;
determine that a consumer associated with the financial service account has granted authorization for the entity to configure the mobile application by accessing the portion of the consumer data;
configure a digital certificate identifying the entity and the portion of the consumer data that the entity is authorized to access;
receive a request from the entity to configure the mobile application by accessing the authorized consumer data;
verify the configured digital certificate; and
provide, to the entity, access to the authorized consumer data.
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 mobile applications executable on mobile devices by providing cloud-based access to consumer financial data, comprising:
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a memory storing instructions; and a processor configured to execute the instructions to; receive a request from an entity configuring a mobile application on a mobile device to access consumer data on a cloud platform, the consumer data being associated with a financial service account; determine a financial service account provider has authorized access by the entity to at least a portion of the consumer data; determine that a consumer associated with the financial service account has granted authorization for the entity to configure the mobile application by accessing the portion of the consumer data; configure a digital certificate identifying the entity and the portion of the consumer data that the entity is authorized to access; receive a request from the entity to configure the mobile application by accessing the authorized consumer data; verify the configured digital certificate; and provide, to the entity, access to the authorized consumer data. - 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 mobile applications executable on mobile devices by providing cloud-based access to consumer financial information, comprising:
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receiving a request from an entity configuring a mobile application on a mobile device to access consumer data on a cloud platform, the consumer data being associated with a financial service account; determining a financial service account provider has authorized access by the entity to at least a portion of the consumer data; determining that a consumer associated with the financial service account has granted authorization for the entity to configure the mobile application by accessing the portion of the consumer data; configuring a digital certificate identifying the entity and the portion of the consumer data that the entity is authorized to access; receiving a request from the entity to configure the mobile application by accessing the authorized consumer data; verifying the configured digital certificate; and providing, to the entity, access to the authorized consumer data. - View Dependent Claims (10, 11, 12, 13, 14, 15, 16)
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17. A computer-implemented method for configuring mobile applications executable on mobile devices by providing cloud-based access to consumer financial information, comprising:
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receiving a request from an entity configuring a mobile application on a mobile device to access consumer data on a cloud platform, the consumer data being associated with a financial service account; determining that a financial service account provider authorizes access by the entity to at least a portion of the consumer data; determining that a consumer associated with the financial service account has granted authorization for the entity to configure the mobile application by accessing the portion of the consumer data; configuring a digital certificate identifying the entity server and the portion of the consumer data that the entity is authorized to access; receiving a request from the entity to configure the mobile application by accessing the authorized consumer data; verifying the configured digital certificate; and providing, to the entity, access to the authorized consumer data. - View Dependent Claims (18, 19, 20)
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Specification