System and method for facilitating programmatic verification of transactions
First Claim
1. A computer system comprising:
- one or more computer-readable storage devices configured to store a plurality of computer executable instructions; and
one or more hardware computer processors in communication with the one or more computer-readable storage devices and configured to execute the plurality of computer executable instructions in order to cause the computer system to;
receive, from a first computing device, a request for data associated with a user, the request including authentication credentials associated with the user;
identify an institution associated with the request;
instantiate a simulated instance of a software application associated with the institution, wherein the simulated instance of the software application is configured to interface, via an application programming interface (“
API”
), with a second computing device that is associated with the institution;
request, by the simulated instance of the software application and via the API, an electronic document associated with the user from the second computing device;
receive the electronic document associated with the user from the second computing device; and
analyze the electronic document to extract account information associated with the user.
3 Assignments
0 Petitions
Accused Products
Abstract
Systems and methods for programmatic access of a financial institution system. A normalized API request provided by an application system specifies user information corresponding to at least one account endpoint of an external financial institution system. Responsive to the request, at least one application proxy instance associated with the normalized API request is used to collect transaction information from a corresponding financial institution system by providing the financial institution system with a proprietary API request that specifies at least account credentials associated with the user information. The transaction information is included in at least one proprietary API response provided by the financial institution system. A normalized API response is generated based on the collected transaction information and provided to the application system. Each application proxy instance is constructed to simulate an application of the corresponding financial institution system on behalf of a user associated with the application proxy instance.
257 Citations
20 Claims
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1. A computer system comprising:
-
one or more computer-readable storage devices configured to store a plurality of computer executable instructions; and one or more hardware computer processors in communication with the one or more computer-readable storage devices and configured to execute the plurality of computer executable instructions in order to cause the computer system to; receive, from a first computing device, a request for data associated with a user, the request including authentication credentials associated with the user; identify an institution associated with the request; instantiate a simulated instance of a software application associated with the institution, wherein the simulated instance of the software application is configured to interface, via an application programming interface (“
API”
), with a second computing device that is associated with the institution;request, by the simulated instance of the software application and via the API, an electronic document associated with the user from the second computing device; receive the electronic document associated with the user from the second computing device; and analyze the electronic document to extract account information associated with the user. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18)
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19. A computer-implemented method comprising:
by one or more hardware processors executing program instructions; receiving, from a first computing device, a request for data associated with a user, the request including authentication credentials associated with the user; identifying an institution associated with the request; instantiating a simulated instance of a software application associated with the institution, wherein the simulated instance of the software application is configured to interface, via an application programming interface (“
API”
), with a second computing device that is associated with the institution;requesting, by the simulated instance of the software application and via the API, an electronic document associated with the user from the second computing device; receiving the electronic document associated with the user from the second computing device; and analyzing the electronic document to extract account information associated with the user. - View Dependent Claims (20)
Specification