Cloud-based systems and methods for providing consumer financial data

Abstract

Systems and methods are disclosed for providing cloud-based access to consumer financial information. A cloud-based platform may receive a notification from a server, the notification comprising a request to access consumer data associated with a financial services account. After confirming authorization by both the associated financial services account provider and the consumer, the platform may configure a software object identifying the server and at least a portion of the consumer data that the server is authorized to access. After presentation of the configured software object by the third party server, the platform may verify the configured software object, and provide to the server access to the authorized consumer data. The server may then utilize the provided consumer data to perform a mobile service for the consumer.

1 - 20 . (canceled) 
     
     
         21 . A system, comprising:
 at least one memory storing instructions; and   at least one processor configured to execute the instructions to:
 receive a third-party request seeking access to user data on a distributed computer system; 
 transmit, based on the third-party request, a request to a service provider associated with the user data to authorize the third party access to the user data; 
 transmit, based on the third-party request, a request to a user associated with the user data to authorize the third party to access the user data; 
 receive responses to the request to the service provider and the request to the user; 
 determine, based on the responses, that the third party is authorized to access to the user data; and 
 provide, based on the determination that the third party is authorized to access the user data, the user data to the third party. 
   
     
     
         22 . The system of  claim 21 , further comprising:
 configuring a digital certificate identifying the third party and the consumer data that the third party is authorized to access.   
     
     
         23 . The system of  claim 22 , wherein the digital certificate comprises a Secure Sockets Layer (SSL) certificate. 
     
     
         24 . The system of  claim 21 , wherein the user data comprises transaction history data of the user associated with the service provider. 
     
     
         25 . The system of  claim 21 , wherein the user data comprises information associated with a financial services account of the user associated with the service provider. 
     
     
         26 . The system of  claim 21 , wherein the user data further comprises data associated with transfer of money from one consumer's account to another consumer's account. 
     
     
         27 . The system of  claim 21 , wherein the user data further comprises data associated with configuring recurring payments. 
     
     
         28 . The system of  claim 21 , wherein the access request is received from a mobile device via a network. 
     
     
         29 . The system of  claim 21 , wherein the received request from the third party further comprises a request for the service provider to perform one or more functions associated with the user data. 
     
     
         30 . The system of  claim 21 , wherein the service provider is a financial institution. 
     
     
         31 . The system of  claim 21 , wherein the third party is a mobile services provider seeking to access the user data via a mobile application. 
     
     
         32 . A system, comprising:
 at least one memory storing instructions; and   at least one processor configured to execute the instructions to:
 receive a third-party request seeking access to user data on a distributed computer system; 
 transmit, based on the third-party request, a request to a service provider associated with the user data to authorize the third party access to the user data; 
 transmit, based on the third-party request, a request to a user associated with the user data to authorize the third party to access the user data; 
 receive responses to the request to the service provider and the request to the user; 
 determine, based on the responses, that the third party is authorized to access to the user data; and 
 provide, based on the determination that the third party has authorized access, the user data to the third party. 
   
     
     
         33 . The system of  claim 32 , further comprising:
 configuring a digital certificate identifying the third party and the consumer data that the third party is authorized to access.   
     
     
         34 . The system of  claim 33 , wherein the digital certificate comprises a Secure Sockets Layer (SSL) certificate. 
     
     
         35 . The system of  claim 32 , wherein the user data comprises transaction history data of the user associated with the service provider. 
     
     
         36 . The system of  claim 32 , wherein the user data comprises information associated with a financial services account of the user associated with the service provider. 
     
     
         37 . The system of  claim 32 , wherein the user data further comprises data associated with transfer of money from one consumer's account to another consumer's account. 
     
     
         38 . The system of  claim 32 , wherein the user data further comprises data associated with configuring recurring payments. 
     
     
         39 . The system of  claim 32 , wherein the service provider is a financial institution. 
     
     
         40 . The system of  claim 32 , wherein the third party is a mobile services provider seeking to access the user data via a mobile application.