Cloud-based system and methods for providing consumer financial data

• US 20180365678A1
• Filed: 08/17/2018
• Published: 12/20/2018
• 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 10,592,889 B2
• Time in Patent Office: Days
• 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 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. The system of claim 1, 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 entity via remote read-only access, and the consumer data is not transmitted to the entity.

4. The system of claim 3, wherein the consumer data is provided to the entity 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 digital certificate further comprises generating information designating at least one of:

a portion of the consumer data that the entity is authorized to access;

and

a portion of the consumer data that the entity 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 configuring mobile applications executable on mobile devices by providing cloud-based access to consumer financial information, comprising:

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.

10. The non-transitory computer-readable medium of claim 9, 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 entity via remote read-only access, and the consumer data is not transmitted to the entity.

12. The non-transitory computer-readable medium of claim 11, wherein the consumer data is provided to the entity 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 digital certificate 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 configuring mobile applications executable on mobile devices by providing cloud-based access to consumer financial information, comprising:

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.

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.