公开(公告)号：US11379850B1

公开(公告)日：2022-07-05

申请号：US16214469

申请日：2018-12-10

申请人： Wells Fargo Bank, N.A.

发明人： Lila Fakhraie ,  Jo Anne Graham ,  Andrea Renee Leighton ,  Peter L. Shen ,  Ravi K. Thota

IPC分类号： G06Q20/08 ,  G06Q20/42 ,  G06F9/451 ,  H04L9/40 ,  H04L67/53 ,  G06F9/54 ,  H04W84/04

摘要： Disclosed are example methods, systems, and devices for integrating payment API services provided by a service provider computing system with a client application. The client application running on a user device may allow a user to make payments and/or to submit payments for approval and may communicate payment information to a client computing system. If a payment is submitted for approval via the client application, the client computing system may make API calls to the service provider computing system to, for example, submit, view, and/or cancel payments. Payments may be approved by a second user using a second device. The service provider computing system initiates fund transfers for approved payments. Payments may be submitted within the operating environment of the client application without use of an application or website of the service provider.

公开(公告)号：US11106515B1

公开(公告)日：2021-08-31

申请号：US16215548

申请日：2018-12-10

申请人： Wells Fargo Bank, N.A.

发明人： Lila Fakhraie ,  Jennifer Greene ,  Christopher J. Hirth ,  Ashish B. Kurani ,  Andrea Renee Leighton ,  Margot Lockwood-Stein ,  Benjamin Soccorsy ,  Ronald H. Yang ,  Young M. Yang

IPC分类号： G06F9/54 ,  H04L29/06 ,  G06Q20/36 ,  G06Q20/14 ,  H04W12/062

摘要： A computing system includes a network circuit configured to communicate data over a network, an accounts database configured to store information pertaining to accounts associated with a plurality of customers, and a plurality of application programming interfaces (APIs). The computing system also includes an integration circuit configured to receive a plurality of indications from different third parties of third party preferences to integrate different ones of the functionalities into different third party services. The integration circuit is further configured to select different subsets of the plurality of APIs for the different third parties based on functionalities identified via the indications. The integration circuit is further configured to provide, via a first selected subset of the plurality of APIs, information associated with a first functionality to an external device to facilitate access to the first functionality via a first third party service.

公开(公告)号：US10963589B1

公开(公告)日：2021-03-30

申请号：US17005124

申请日：2020-08-27

申请人： Wells Fargo Bank, N.A.

发明人： Lila Fakhraie ,  Brian M. Pearce ,  Steven Pulido ,  Benjamin Soccorsy ,  James Stahley ,  Mojdeh Tomsich

IPC分类号： H04L29/06 ,  G06F21/62 ,  G06F16/215

摘要： Systems, methods, and apparatuses for providing a central location to manage permissions provided to third-parties and devices to access and use user data and to manage accounts at multiple entities. A central portal may allow a user to manage all access to account data and personal information as well as usability and functionality of accounts. The user need not log into multiple third-party systems or customer devices to manage previously provided access to the information, provision new access to the information, and to manage financial or other accounts. A user is able to have user data and third-party accounts of the user deleted from devices, applications, and third-party systems via a central portal. The user is able to impose restrictions on how user data is used by devices, applications, and third-party systems, and control such features as recurring payments and use of rewards, via a central portal.