US 11,682,070 B2
Systems and methods for estimating past and prospective attribute values associated with a user account
William Hockey, San Francisco, CA (US); and Sharon Rapoport, Arlington, MA (US)
Assigned to Plaid Inc., San Francisco, CA (US)
Filed by Plaid Inc., San Francisco, CA (US)
Filed on Apr. 14, 2021, as Appl. No. 17/230,835.
Application 17/230,835 is a continuation of application No. 15/160,663, filed on May 20, 2016, granted, now 10,984,468.
Claims priority of provisional application 62/275,726, filed on Jan. 6, 2016.
Prior Publication US 2021/0233162 A1, Jul. 29, 2021
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 40/02 (2023.01); G06F 16/951 (2019.01)
CPC G06Q 40/02 (2013.01) [G06F 16/951 (2019.01)] 18 Claims
OG exemplary drawing
 
1. A system, comprising:
one or more hardware processors; and
at least one computer-readable memory in communication with the one or more hardware processors and having stored thereon computer-executable instructions to cause the one or more hardware processors to:
receive a request for transaction data associated with an account of a user at an external user account system;
instantiate a simulated instance of a software application, the software application being a first-party application associated with the external user account system, the software application configured to interface via a first application programming interface (API) of the external user account system with a computing device associated with the external user account system, wherein:
the simulated instance of the software application is configured to interface, via the first API, with the computing device associated with the external user account system,
the simulated instance of the software application is configured to appear to the computing device associated with the external user account system to be the software application executing on a physical computing device of the user,
the simulated instance of the software application is configured to query the computing device associated with the external user account system for transaction data associated with the account, and
the simulated instance of the software application is configured to receive the transaction data associated with the account from the computing device associated with the external user account system;
categorize transactions of the transaction data into one or more transaction groups based on sources of the transactions;
for each group of the one or more transaction groups, estimate an attribute value for the group, based on transaction amounts for the transactions of the transaction group;
determine an expected future value of an attribute of the user based on the estimated attribute values of the one or more transaction groups; and
provide, via a second API, an output signal indicative of the expected future value of the attribute, wherein the second API is different from the first API.