IP Library Granted Patent US 12711551
Granted Patent B2
US 12711551 · App. 18/300,942 · Granted Aug 18, 2026

System for multiplatform integration user interfaces

Inventors: Joseph V. Coyne (Charlotte, NC); Hilani Kerr (Darien, CT); Jennel Ann McDonald (Oakland, CA); Madhumati Narasimhan (Pleasanton, CA); Pablo S. Simone (New York, NY); Ashish Dilip Tengshe (San Ramon, CA)
Assignee: Wells Fargo Bank, N.A.
G06Q40/06G06F9/451H04L63/083
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Quick Facts
Patent No.
US 12711551
App. No.
18/300,942
Granted
Aug 18, 2026
Kind
B2
Abstract

A method may include maintaining a user account of a user associated with a first service; presenting a user interface on a client device identifying a set of selectable services external to the server device; receiving a selection of a second service external to the server device; requesting login credentials of the a user account at the second service; transmitting an account access authorization request using the login credentials, requesting the user account of the user associated with the first service be given read and write permission to the user account at the second service; and in response to the request, receiving an authentication token from the second service granting read and write access to the user account associated with the second service via an interface presented by the first service.

Claims (44)

1 . A method comprising:

maintaining, on a storage device, a user account of a user associated with a first service;

presenting, from a server device, a user interface on a client device, the user interface identifying a set of selectable services external to the server device, the set of selectable services including financial and non-financial services;

receiving a selection of a second service from the set of selectable services external to the server device;

requesting, via the user interface, login credentials of the user with respect to a user account at the second service;

transmitting an account access authorization request, from the server device to the second service using the login credentials, requesting the user account of the user associated with the first service be given read and write permission to the user account at the second service;

in response to the account access authorization request, receiving an account access authentication token from the second service, the account access authentication token granting read and write access to the user account associated with the second service via an interface presented by the first service;

receiving data, at the server device, from a third service, identifying a cost of a property being viewed on a webpage of the third service; and

transmitting, from the first service to the third service, web code for embedding in a webpage of the third service, wherein the web code;

identifies a pre-approval limit for property purchases as stored in the user account of the user associated with the first service;

includes an option to initiate a loan application with the first service; and

is configured to be displayed in an embedded portion of the webpage of the third service, the embedded portion being visually distinct from other content of the webpage of the third service.

2 . The method of claim 1 , wherein the web code is configured to display a visual indicator on the webpage indicating whether the cost of the property is within the pre-approval limit.

3 . The method of claim 1 , wherein the web code is configured to display an option to connect the third service to the first service.

4 . A non-transitory computer-readable medium comprising instructions, which when executed by a processing unit configure the processing unit to perform operations comprising:

maintaining, on a storage device, a user account of a user associated with a first service;

presenting, from a server device, a user interface on a client device, the user interface identifying a set of selectable services external to the server device, the set of selectable services including financial and non-financial services;

receiving a selection of a second service from the set of selectable services external to the server device;

requesting, via the user interface, login credentials of the user with respect to a user account at the second service;

transmitting an account access authorization request, from the server device to the second service using the login credentials, requesting the user account of the user associated with the first service be given read and write permission to the user account at the second service;

in response to the account access authorization request, receiving an account access authentication token from the second service, the account access authentication token granting read and write access to the user account associated with the second service via an interface presented by the first service;

receiving data, at the server device, from a third service, identifying a cost of a property being viewed on a webpage of the third service; and

transmitting, from the first service to the third service, web code for embedding in a webpage of the third service, wherein the web code:

identifies a pre-approval limit for property purchases as stored in the user account of the user associated with the first service;

includes an option to initiate a loan application with the first service; and

is configured to be displayed in an embedded portion of the webpage of the third service, the embedded portion being visually distinct from other content of the webpage of the third service.

5 . The non-transitory computer-readable medium of claim 4 , wherein the web code is configured to display a visual indicator on the webpage indicating whether the cost of the property is within the pre-approval limit.

6 . The non-transitory computer-readable medium of claim 4 , wherein the web code is configured to display an option to connect the third service to the first service.

7 . A system comprising:

a processing unit; and

a storage device comprising instructions, which when executed by the processing unit, configure the processing unit to perform operations comprising:

maintaining a user account of a user associated with a first service;

presenting, from a server device, a user interface on a client device, the user interface identifying a set of selectable services external to the server device, the set of selectable services including financial and non-financial services;

receiving a selection of a second service from the set of selectable services external to the server device;

requesting, via the user interface, login credentials of the user with respect to a user account at the second service;

transmitting an account access authorization request, from the server device to the second service using the login credentials, requesting the user account of the user associated with the first service be given read and write permission to the user account at the second service;

in response to the account access authorization request, receiving an account access authentication token from the second service, the account access authentication token granting read and write access to the user account associated with the second service via an interface presented by the first service;

receiving data, at the server device, from a third service, identifying a cost of a property being viewed on a webpage of the third service; and

transmitting, from the first service to the third service, web code for embedding in a webpage of the third service, wherein the web code:

identifies a pre-approval limit for property purchases as stored in the user account of the user associated with the first service;

includes an option to initiate a loan application with the first service; and

is configured to be displayed in an embedded portion of the webpage of the third service, the embedded portion being visually distinct from other content of the webpage of the third service.

8 . The system of claim 7 , wherein the web code is configured to display a visual indicator on the webpage indicating whether the cost of the property is within the pre-approval limit.

9 . The system of claim 7 , wherein the web code is configured to display an option to connect the third service to the first service.