CLOUD-BASED SYSTEMS AND METHODS FOR PROVIDING CONSUMER FINANCIAL DATA

• US 20140129448A1
• Filed: 11/05/2013
• Published: 05/08/2014
• 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
• Granted Patent: US 10,055,727 B2
• Time in Patent Office: Days
• US Class Current: 705/44
• 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 providing cloud-based access to consumer financial data, comprising:

a memory storing instructions; and

a processor configured to execute the instructions to;

receive a notification from a server, the notification comprising a request to access consumer data associated with a financial service account;

determine a financial service account provider has authorized access by the server to the consumer data;

determine that one or more consumers associated with the financial service account provider authorize access by the server to the consumer data;

configure a software object identifying the server and at least a portion of the consumer data that the server is authorized to access;

receive a notification from the server, the notification comprising a request to access authorized consumer data;

verify the configured software object; and

provide, to the server, access to the authorized consumer data.

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

3. The system of claim 1, wherein the authorized consumer data is provided to the server via remote read-only access, and the consumer data is not transmitted to the server.

4. The system of claim 3, wherein the consumer data is provided to the server via a link to an external computing system associated with the financial 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 configuring the software object further comprises generating 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 providing cloud-based access to consumer financial information, comprising:

receiving a notification from a server, the notification comprising a request to access consumer data associated with a financial service account;

determining a financial service account provider has authorized access by the server to the consumer data;

determining that one or more consumers associated with the financial service account provider authorize access by the server to the consumer data;

configuring a software object identifying the server and at least a portion of the consumer data that the server is authorized to access;

receiving a notification from the server, the notification comprising a request to access authorized consumer data;

verifying the configured software object; and

providing, to the server, access to the authorized consumer data.

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

11. The non-transitory computer-readable medium of claim 9, wherein the authorized consumer data is provided to the server via remote read-only access, and the consumer data is not transmitted to the server.

12. The non-transitory computer-readable medium of claim 11, wherein the consumer data is provided to the server via a link to an external computing system associated with the financial 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 configuring the software object further comprises generating 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 providing cloud-based access to consumer financial information, comprising:

receiving a notification from a server, the notification comprising a request to access consumer data associated with a financial service account;

determining that a financial service account provider authorizes access by the server to the consumer data;

determining that one or more consumers associated with the financial service account provider authorize access by the server to the consumer data;

configuring a software object identifying the server and at least a portion of the consumer data that the server is authorized to access;

receiving a notification from the server, the notification comprising a request to access authorized consumer data;

verifying the configured software object; and

providing, to the server, access to the authorized consumer data.

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.