Patents by Inventor Zach Perret

Zach Perret has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).

  • Publication number: 20250029177
    Abstract: Systems and methods for programmatic access of external financial service systems. An application proxy instance is created that simulates an application of an external financial service system. A normalized account request is received for financial data of the external financial service system for a specified account. The normalized account request is provided by an external financial application system by using a financial data API of the financial platform system. Responsive to the normalized account request, communication is negotiated with the external financial service system by using the application proxy instance to access the requested financial data from the external financial service system by using a proprietary Application Programming Interface (API) of the external financial service system. The financial data is provided to the external financial application system as a response to the normalized account request.
    Type: Application
    Filed: October 4, 2024
    Publication date: January 23, 2025
    Inventors: William Hockey, Charles Li, Zach Perret
  • Patent number: 12148028
    Abstract: Systems and methods for programmatic access of external financial service systems. An application proxy instance is created that simulates an application of an external financial service system. A normalized account request is received for financial data of the external financial service system for a specified account. The normalized account request is provided by an external financial application system by using a financial data API of the financial platform system. Responsive to the normalized account request, communication is negotiated with the external financial service system by using the application proxy instance to access the requested financial data from the external financial service system by using a proprietary Application Programming Interface (API) of the external financial service system. The financial data is provided to the external financial application system as a response to the normalized account request.
    Type: Grant
    Filed: January 16, 2024
    Date of Patent: November 19, 2024
    Assignee: Plaid Inc.
    Inventors: William Hockey, Charles Li, Zach Perret
  • Publication number: 20240354720
    Abstract: Systems and methods for programmatic access of a financial institution system. A normalized API request provided by an application system specifies user information corresponding to at least one account endpoint of an external financial institution system. Responsive to the request, at least one application proxy instance associated with the normalized API request is used to collect transaction information from a corresponding financial institution system by providing the financial institution system with a proprietary API request. The transaction information is included in at least one proprietary API response provided by the financial institution system. A normalized API response is generated based on the collected transaction information and provided to the application system. Each application proxy instance is constructed to simulate an application of the corresponding financial institution system on behalf of a user associated with the application proxy instance.
    Type: Application
    Filed: July 3, 2024
    Publication date: October 24, 2024
    Inventors: William Hockey, Zach Perret, Charles Li
  • Patent number: 12067537
    Abstract: Systems and methods for programmatic access of a financial institution system. A normalized API request provided by an application system specifies user information corresponding to at least one account endpoint of an external financial institution system. Responsive to the request, at least one application proxy instance associated with the normalized API request is used to collect transaction information from a corresponding financial institution system by providing the financial institution system with a proprietary API request that specifies at least account credentials associated with the user information. The transaction information is included in at least one proprietary API response provided by the financial institution system. A normalized API response is generated based on the collected transaction information and provided to the application system.
    Type: Grant
    Filed: October 20, 2023
    Date of Patent: August 20, 2024
    Assignee: Plaid Inc.
    Inventors: William Hockey, Zach Perret, Charles Li
  • Patent number: 12056702
    Abstract: Systems and methods for programmatic access of a financial institution system. A normalized API request provided by an application system specifies user information corresponding to at least one account endpoint of an external financial institution system. Responsive to the request, at least one application proxy instance associated with the normalized API request is used to collect transaction information from a corresponding financial institution system by providing the financial institution system with a proprietary API request that specifies at least account credentials associated with the user information. The transaction information is included in at least one proprietary API response provided by the financial institution system. A normalized API response is generated based on the collected transaction information and provided to the application system.
    Type: Grant
    Filed: November 23, 2021
    Date of Patent: August 6, 2024
    Assignee: Plaid Inc.
    Inventors: William Hockey, Zach Perret, Charles Li
  • Publication number: 20240152996
    Abstract: Systems and methods for programmatic access of external financial service systems. An application proxy instance is created that simulates an application of an external financial service system. A normalized account request is received for financial data of the external financial service system for a specified account. The normalized account request is provided by an external financial application system by using a financial data API of the financial platform system. Responsive to the normalized account request, communication is negotiated with the external financial service system by using the application proxy instance to access the requested financial data from the external financial service system by using a proprietary Application Programming Interface (API) of the external financial service system. The financial data is provided to the external financial application system as a response to the normalized account request.
    Type: Application
    Filed: January 16, 2024
    Publication date: May 9, 2024
    Inventors: William Hockey, Charles Li, Zach Perret
  • Patent number: 11922492
    Abstract: Systems and methods for programmatic access of external financial service systems. An application proxy instance is created that simulates an application of an external financial service system. A normalized account request is received for financial data of the external financial service system for a specified account. The normalized account request is provided by an external financial application system by using a financial data API of the financial platform system. Responsive to the normalized account request, communication is negotiated with the external financial service system by using the application proxy instance to access the requested financial data from the external financial service system by using a proprietary Application Programming Interface (API) of the external financial service system. The financial data is provided to the external financial application system as a response to the normalized account request.
    Type: Grant
    Filed: September 5, 2023
    Date of Patent: March 5, 2024
    Assignee: Plaid Inc.
    Inventors: William Hockey, Charles Li, Zach Perret
  • Publication number: 20240046271
    Abstract: Systems and methods for programmatic access of a financial institution system. A normalized API request provided by an application system specifies user information corresponding to at least one account endpoint of an external financial institution system. Responsive to the request, at least one application proxy instance associated with the normalized API request is used to collect transaction information from a corresponding financial institution system by providing the financial institution system with a proprietary API request that specifies at least account credentials associated with the user information. The transaction information is included in at least one proprietary API response provided by the financial institution system. A normalized API response is generated based on the collected transaction information and provided to the application system.
    Type: Application
    Filed: October 20, 2023
    Publication date: February 8, 2024
    Inventors: William Hockey, Zach Perret, Charles Li
  • Publication number: 20230419398
    Abstract: Systems and methods for programmatic access of external financial service systems. An application proxy instance is created that simulates an application of an external financial service system. A normalized account request is received for financial data of the external financial service system for a specified account. The normalized account request is provided by an external financial application system by using a financial data API of the financial platform system. Responsive to the normalized account request, communication is negotiated with the external financial service system by using the application proxy instance to access the requested financial data from the external financial service system by using a proprietary Application Programming Interface (API) of the external financial service system. The financial data is provided to the external financial application system as a response to the normalized account request.
    Type: Application
    Filed: September 5, 2023
    Publication date: December 28, 2023
    Inventors: William Hockey, Charles Li, Zach Perret
  • Patent number: 11798072
    Abstract: Systems and methods for programmatic access of external financial service systems. An application proxy instance is created that simulates an application of an external financial service system. A normalized account request is received for financial data of the external financial service system for a specified account. The normalized account request is provided by an external financial application system by using a financial data API of the financial platform system. Responsive to the normalized account request, communication is negotiated with the external financial service system by using the application proxy instance to access the requested financial data from the external financial service system by using a proprietary Application Programming Interface (API) of the external financial service system. The financial data is provided to the external financial application system as a response to the normalized account request.
    Type: Grant
    Filed: May 7, 2021
    Date of Patent: October 24, 2023
    Assignee: Plaid Inc.
    Inventors: William Hockey, Charles Li, Zach Perret
  • Patent number: 11216814
    Abstract: Systems and methods for programmatic access of a financial institution system. A normalized API request provided by an application system specifies user information corresponding to at least one account endpoint of an external financial institution system. Responsive to the request, at least one application proxy instance associated with the normalized API request is used to collect transaction information from a corresponding financial institution system by providing the financial institution system with a proprietary API request that specifies at least account credentials associated with the user information. The transaction information is included in at least one proprietary API response provided by the financial institution system. A normalized API response is generated based on the collected transaction information and provided to the application system.
    Type: Grant
    Filed: February 25, 2020
    Date of Patent: January 4, 2022
    Assignee: Plaid Inc.
    Inventors: William Hockey, Zach Perret, Charles Li
  • Patent number: 11030682
    Abstract: Systems and methods for programmatic access of external financial service systems. An application proxy instance is created that simulates an application of an external financial service system. A normalized account request is received for financial data of the external financial service system for a specified account. The normalized account request is provided by an external financial application system by using a financial data API of the financial platform system. Responsive to the normalized account request, communication is negotiated with the external financial service system by using the application proxy instance to access the requested financial data from the external financial service system by using a proprietary Application Programming Interface (API) of the external financial service system. The financial data is provided to the external financial application system as a response to the normalized account request.
    Type: Grant
    Filed: April 26, 2019
    Date of Patent: June 8, 2021
    Assignee: Plaid Inc.
    Inventors: William Hockey, Charles Li, Zach Perret
  • Patent number: 10614463
    Abstract: Systems and methods for programmatic access of a financial institution system. A normalized API request provided by an application system specifies user information corresponding to at least one account endpoint of an external financial institution system. Responsive to the request, at least one application proxy instance associated with the normalized API request is used to collect transaction information from a corresponding financial institution system by providing the financial institution system with a proprietary API request that specifies at least account credentials associated with the user information. The transaction information is included in at least one proprietary API response provided by the financial institution system. A normalized API response is generated based on the collected transaction information and provided to the application system.
    Type: Grant
    Filed: March 10, 2017
    Date of Patent: April 7, 2020
    Assignee: Plaid Inc.
    Inventors: William Hockey, Zach Perret, Charles Li
  • Patent number: 10319029
    Abstract: Systems and methods for programmatic access of external financial service systems. An application proxy instance is created that simulates an application of an external financial service system. A normalized account request is received for financial data of the external financial service system for a specified account. The normalized account request is provided by an external financial application system by using a financial data API of the financial platform system. Responsive to the normalized account request, communication is negotiated with the external financial service system by using the application proxy instance to access the requested financial data from the external financial service system by using a proprietary Application Programming Interface (API) of the external financial service system. The financial data is provided to the external financial application system as a response to the normalized account request.
    Type: Grant
    Filed: September 7, 2016
    Date of Patent: June 11, 2019
    Assignee: Plaid Technologies, Inc.
    Inventors: William Hockey, Charles Li, Zach Perret
  • Patent number: 9595023
    Abstract: Systems and methods for programmatic access of a financial institution system. A normalized API request provided by an application system specifies user information corresponding to at least one account endpoint of an external financial institution system. Responsive to the request, at least one application proxy instance associated with the normalized API request is used to collect transaction information from a corresponding financial institution system by providing the financial institution system with a proprietary API request that specifies at least account credentials associated with the user information. The transaction information is included in at least one proprietary API response provided by the financial institution system. A normalized API response is generated based on the collected transaction information and provided to the application system.
    Type: Grant
    Filed: July 2, 2015
    Date of Patent: March 14, 2017
    Assignee: PLAID TECHNOLOGIES, INC.
    Inventors: William Hockey, Zach Perret, Charles Li
  • Patent number: 9449346
    Abstract: Systems and methods for programmatic access of external financial service systems. An application proxy instance is created that simulates an application of an external financial service system. A normalized account request is received for financial data of the external financial service system for a specified account. The normalized account request is provided by an external financial application system by using a financial data API of the financial platform system. Responsive to the normalized account request, communication is negotiated with the external financial service system by using the application proxy instance to access the requested financial data from the external financial service system by using a proprietary Application Programming Interface (API) of the external financial service system. The financial data is provided to the external financial application system as a response to the normalized account request.
    Type: Grant
    Filed: July 2, 2015
    Date of Patent: September 20, 2016
    Assignee: PLAID TECHNOLOGIES, INC.
    Inventors: William Hockey, Charles Li, Zach Perret