US 12,074,876 B2
Authenticated access and aggregation database platform
Michelle Felice-Steele, Woodland Hills, CA (US); Michele Raneri, Orange, CA (US); Paul DeSaulniers, Ladera Ranch, CA (US); Joe Manna, Tustin, CA (US); Jeff Softley, Rancho Mission Viejo, CA (US); Srikumar Puthupadi Kanthadai, El Monte, CA (US); Aga Dzhafar Hady Ogiu Dzhafarov, Mission Viejo, CA (US); Pat Finneran, Queen Creek, AZ (US); Donna Meryl Smith, Irvine, CA (US); Gregory Lennox Wright, Newport Coast, CA (US); Marizette Galvez, Chino, CA (US); Ujjayan Banerjee, Irvine, CA (US); Ravi Devesetti, Fremont, CA (US); Shivakumar Ramanathan, Irvine, CA (US); and Mukeshkumar G. Patel, Downey, CA (US)
Assigned to ConsumerInfo.com, Inc., Costa Mesa, CA (US)
Filed by ConsumerInfo.com, Inc., Costa Mesa, CA (US)
Filed on Apr. 22, 2020, as Appl. No. 16/855,912.
Application 16/855,912 is a continuation of application No. 16/445,647, filed on Jun. 19, 2019, granted, now 10,671,749.
Claims priority of provisional application 62/826,319, filed on Mar. 29, 2019.
Claims priority of provisional application 62/727,479, filed on Sep. 5, 2018.
Prior Publication US 2020/0389461 A1, Dec. 10, 2020
This patent is subject to a terminal disclaimer.
Int. Cl. H04L 9/40 (2022.01); G06F 9/451 (2018.01); G06F 9/54 (2006.01); G06F 16/13 (2019.01); G06F 16/23 (2019.01); G06F 16/245 (2019.01); G06F 16/248 (2019.01); G06F 21/62 (2013.01); G06Q 40/03 (2023.01); H04L 67/306 (2022.01)
CPC H04L 63/102 (2013.01) [G06F 9/451 (2018.02); G06F 9/54 (2013.01); G06F 16/13 (2019.01); G06F 16/23 (2019.01); G06F 16/2379 (2019.01); G06F 16/245 (2019.01); G06F 16/248 (2019.01); G06F 21/6218 (2013.01); G06Q 40/03 (2023.01); H04L 63/062 (2013.01); H04L 63/083 (2013.01); H04L 63/0861 (2013.01); H04L 63/0884 (2013.01); H04L 63/18 (2013.01); H04L 67/306 (2013.01); H04L 2463/121 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A computer-implemented method comprising:
receiving, via network communication with a user computing device, credentials for directly accessing, by proxy on behalf of a user via an application programming interface (API), data associated with the user stored in one or more databases associated with a third-party system;
transmitting at least an API token associated with the third-party system and at least a portion of the credentials to one or more databases associated with the third-party system;
accessing, via an API communication channel established with the third-party system, a plurality of data items associated with the user;
selecting a first data item of the plurality of data items;
identifying an entity associated with the first data item;
identifying, from among the plurality of data items, a subset of data items that each identify payments made from or on behalf of the user to the entity, wherein the subset of data items includes at least the first data item and one or more other data items;
applying a first account identification rule to the identified subset of data items;
determining, based on application of the first account identification rule, that the subset of data items meet a threshold for a first type of account;
receiving, from the user computing device, a request to add an account corresponding with the entity to risk data associated with the user at a secured risk system;
generating, based on portions of the plurality of data items associated with the entity, an account creation data package, the account creation data package formatted for ingestion at the secured risk system to initiate addition of the account to risk data of the user;
identifying a security key associated with the secured risk system;
transmitting the security key and the account creation data package to the secured risk system via a secure communication channel established with the secured risk system;
requesting execution of a risk scoring algorithm using risk data of the user as stored at the secured risk system subsequent to the secured risk system processing the account creation data package;
receiving, from the secured risk system, at least one of: risk score change information or a new risk score; and
providing, to the user computing device, an indication of a risk score change identified to be caused at least in part by ingestion at the secured risk system of the account creation data package.