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Providing access to account information using authentication tokens

  • US 9,830,591 B2
  • Filed: 05/27/2015
  • Issued: 11/28/2017
  • Est. Priority Date: 05/27/2015
  • Status: Active Grant
First Claim
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1. A system, comprising:

  • at least one processor;

    a communication interface communicatively coupled to the at least one processor; and

    memory storing computer-readable instructions that, when executed by the at least one processor, cause the system to;

    receive, via the communication interface, and from a computing platform associated with a third-party financial account information aggregator, a request to register for access to an online banking account associated with a customer of a financial institution;

    based on receiving the request to register for access to the online banking account associated with the customer of the financial institution, prompt the customer of the financial institution to authorize the third-party financial account information aggregator to access information associated with the online banking account associated with the customer of the financial institution;

    if the customer of the financial institution authorizes the third-party financial account information aggregator to access the information associated with the online banking account associated with the customer of the financial institution, send, via the communication interface, and to the computing platform associated with the third-party financial account information aggregator, a refresh token;

    after sending the refresh token to the computing platform associated with the third-party financial account information aggregator, receive, via the communication interface, and from the computing platform associated with the third-party financial account information aggregator, a request to access the online banking account associated with the customer of the financial institution;

    validate the request to access the online banking account associated with the customer of the financial institution based on the refresh token; and

    if the request to access the online banking account associated with the customer of the financial institution is valid, provide, to the computing platform associated with the third-party financial account information aggregator, financial account information associated with the online banking account associated with the customer of the financial institution via at least one web service.

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