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    SECURE PERMISSIONING OF ACCESS TO USER ACCOUNTS, INCLUDING SECURE DEAUTHORIZATION OF ACCESS TO USER ACCOUNTS
    4.
    发明公开
    SECURE PERMISSIONING OF ACCESS TO USER ACCOUNTS, INCLUDING SECURE DEAUTHORIZATION OF ACCESS TO USER ACCOUNTS 审中-实审

    公开(公告)号：EP4395394A3

    公开(公告)日：2024-08-07

    申请号：EP24161038.5

    申请日：2016-09-07

    申请人： Plaid Inc.

    发明人： HOCKEY, William ,  KELLY, Michael

    IPC分类号： G06F21/00 ,  G06F15/00 ,  G06Q20/38 ,  H04W12/06 ,  H04L9/40 ,  H04W12/082

    CPC分类号： H04W12/06 ,  H04L2463/10220130101 ,  G06Q20/385 ,  H04L63/0807 ,  H04W12/082

    摘要： A permissions management system is disclosed for enabling a user to securely authorize a third-party system to access user account data and initiate transactions related to a user account, without disclosing to the third-party system account credentials. The system enables the user to also securely de-authorize the third-party system. For example, records may be automatically generated that securely store account information, including one or more permissions related to the account and/or the third-party. A token associated with a record may be shared with the third-party system, but neither the record itself, nor the user account credentials, may be shared with the third-party. Accordingly, the third-party may request user account data and/or initiate transactions by providing the token, but does not itself know, e.g., the user account credentials. Further, the user may set various permissions related to the token, and may also revoke the token (e.g., de-authorize the third-party), thus providing increased security to the user's account.