US 12,236,493 B2
Systems and methods of access control and system integration
Rodney Kenneth Drury, Havelock North (NZ); and Matthew John Vickers, Wellington (NZ)
Assigned to Xero Limited, Te Aro Wellington (NZ)
Filed by Xero Limited, Wellington (NZ)
Filed on Aug. 7, 2023, as Appl. No. 18/366,499.
Application 18/366,499 is a continuation of application No. 17/306,023, filed on May 3, 2021, granted, now 11,783,433.
Application 17/306,023 is a continuation of application No. 16/204,394, filed on Nov. 29, 2018, granted, now 11,030,706, issued on Jun. 8, 2021.
Application 16/204,394 is a continuation of application No. 14/832,357, filed on Aug. 21, 2015, granted, now 10,181,162, issued on Jan. 15, 2019.
Application 14/832,357 is a continuation of application No. 14/494,476, filed on Sep. 23, 2014, granted, now 9,117,208, issued on Aug. 25, 2015.
Claims priority of provisional application 61/881,314, filed on Sep. 23, 2013.
Prior Publication US 2023/0385953 A1, Nov. 30, 2023
Int. Cl. G06Q 40/12 (2023.01); G06Q 20/02 (2012.01); G06Q 20/10 (2012.01); G06Q 20/22 (2012.01); G06Q 20/40 (2012.01)
CPC G06Q 40/128 (2013.12) [G06Q 20/027 (2013.01); G06Q 20/10 (2013.01); G06Q 20/108 (2013.01); G06Q 20/227 (2013.01); G06Q 20/40 (2013.01); G06Q 20/4037 (2013.01); G06Q 40/12 (2013.12)] 20 Claims
OG exemplary drawing
 
1. A method comprising, at a data center of an accounting system:
receiving, from a user of the accounting system, financial account credentials registered to a financial account at a financial institution, the financial institution storing banking records for the financial account at a bank server;
allowing the user to establish an encrypted connection between the financial account at the financial institution and a user account associated with the user at the accounting system;
in response to the user selecting to establish the encrypted connection between the financial account at the financial institution and the user account associated with the user at the accounting system:
registering to receive, from the bank server, banking records for the financial account via a secure bank feed, via which secure bank feed up to date banking records for the financial account are transmitted in encrypted form from the bank server and, at the accounting system, decrypted and loaded into a user account of the accounting system associated with the user; and
from the user account associated with the user at the accounting system, issuing, in encrypted form and via a communication module of the accounting system, one or more requests requesting a payment to the financial account at the financial institution.