Application Unlinking Interface for Data Aggregator Authorization Control

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Solution Overview

Problem

Users expend additional power, processing resources, and network resources in managing multiple applications accessing their data via a data aggregator, as the data partner is unaware of which applications are accessing the information.

Innovation Solution

A data partner system that allows users to access a list of authorized applications, activities, and recent access times, enabling unlinking of applications directly without separately accessing an aggregation system, using access tokens and APIs to manage authorization.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Adaptability or versatility

If users manage multiple applications accessing data via a data aggregator, then data distribution capability is improved, but power consumption and processing resources increase

Engineering Contradiction:
Improvedata distribution capabilityVSAvoidpower consumption
Core Design Contradiction:
Adaptability or versatilityVSUse of energy by moving object

Solution Approach 1:

The patent extracts the credential management functionality from the aggregation system and places it directly in the data partner system. Users can now access and manage application authorizations, view recent access times, and unlink applications directly through the data partner interface, eliminating the need to separately access the aggregation system for credential management. This extraction reduces the computational overhead and power consumption associated with managing multiple application credentials through the aggregator.

Inventive Principle:
Principle #2Taking out (Extraction)

2Adaptability or versatility

If users manage multiple applications accessing data via a data aggregator, then data distribution capability is improved, but processing resources increase

Engineering Contradiction:
Improvedata distribution capabilityVSAvoidprocessing resources
Core Design Contradiction:
Adaptability or versatilityVSPower

Solution Approach 1:

The system enables self-service credential management where users can independently view their authorized applications, check recent access times, and unlink applications directly through the data partner system. This self-service approach eliminates the need for the aggregation system to mediate every credential management operation, significantly reducing processing resources and computational overhead while maintaining data distribution capabilities.

Inventive Principle:
Principle #25Self-service

3Ease of operation

If users access aggregation system separately for credential management, then authorization management is possible, but ease of operation deteriorates

Engineering Contradiction:
Improveauthorization managementVSAvoidsystem access complexity
Core Design Contradiction:
Ease of operationVSDevice complexity

Solution Approach 1:

The patent merges the credential management functionality with the data partner system, allowing users to access and manage application authorizations, view recent access times, and unlink applications all through a single interface. This consolidation eliminates the need to separately access the aggregation system for credential management operations, significantly improving ease of operation and reducing system access complexity.

Inventive Principle:
Principle #5Merging (Combining)

Data Source

PatentUS12579316B2Unlinking accounts from applications
Publication Date: 2026.03.17 PLAID INC
  • US12579316B2 patent drawing
  • US12579316B2 patent drawing
  • US12579316B2 patent drawing

AI summary

In some implementations, a data partner may transmit a first request associated with a user account and may receive a first response including an access token. The data partner may transmit a second request, that includes the access token, for a list of applications associated with the user account and may receive a second response including the list of applications. The data partner may transmit a third request, that includes the access token, for a list of activities associated with the list of applications and may receive a third response including the list of activities. The data partner may transmit a fourth request, that includes the access token, to unlink a selected application, from the list of applications, from the user account. The data partner may receive an indication that a token associated with the selected application was revoked.