IP Library Granted Patent US 10,489,504
Granted Patent B2
US 10,489,504 · App. 16/155,112 · Granted Nov 26, 2019

Systems and methods for populating online applications using third party platforms

Inventors: Christopher Wetzel (Wayne, PA); Dwij Trivedi (North Bethesda, MD); Robert Colenso (Arlington, VA)
Assignee: CAPITAL ONE SERVICES, LLC
G06F17/243G06F21/445H04L63/0807H04L67/02H04L67/20H04M1/72561H04W4/50H04W12/06H04W12/08
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Quick Facts
Patent No.
US 10,489,504
App. No.
16/155,112
Granted
Nov 26, 2019
Kind
B2
Abstract

A system and method includes a communication interface configured to transmit a web-based form to an applicant device and receive a selection of the third party to provide data to populate the plurality of fields of the web-based form and an application server that, in conjunction with the communication interface, is configured to perform various steps. It may, in response to receiving the selection, transmit a third-party API call to the selected third party. It may also transmit data indicative of an authentication request associated with the selected third party and receive data indicative of a validated authentication request. It may further request a set of data from the selected third party via the third party API and receive the requested set of data, which includes data for populating a specific data field on the web-based form.

Claims (49)

1. A method comprising the steps of:

transmitting a web-based form to a device of an applicant;

receiving, from the device, an input indicative of an applicant selection for a third party system to provide data to populate a plurality of fields of the web-based form;

transmitting, responsive to receiving the input, a call, using a third party application programming interface (API), to the selected third party system;

transmitting data indicative of an authentication request associated with the selected third party system;

receiving data indicative of a validated authentication request;

requesting a set of data from the selected third party system via the third party API; and

receiving, via the third party API, the requested set of data comprising data for populating a specific data field of the web-based form.

2. The method of claim 1 further comprising:

associating the received set of data with a respective data field in the web-based form; and

transmitting the associated data with the respective data field in the web-based form to the device, thereby causing the device to auto-populate the respective data field and display the auto-populated data field on a user interface of the device.

3. The method of claim 2 further comprising causing the user interface of the device to prompt the applicant to select the third party system.

4. The method of claim 1 , wherein the web-based form further comprises a data field that is to be populated manually by the applicant.

5. The method of claim 1 , wherein the received data indicative of the validated authentication request comprises a security token configured to enable communication between the application server and the selected third party system via the third party API.

6. A system comprising:

one or more processors; and

a memory in communication with the one or more processors and storing instructions that, when executed by the one or more processors, are configured to cause the system to:

transmit a web-based form to an applicant device;

receive an input indicative of an applicant selection for a third party to provide data to populate a plurality of fields of the web-based form;

transmit, responsive to receiving the input, a call, using a third party application programming interface (API), to the selected third party;

request a set of data from the selected third party via the third party API; and

receive the requested set of data via the third party API, the requested set of data comprising data for populating a specific data field of a web-based form.

7. The system of claim 6 , wherein the instructions, when executed by the one or more processors, are further configured to cause the system to:

associate the received set of data with a respective data field in the web-based form; and

transmit the associated data with the respective data field in the web-based form to the device, thereby causing the device to auto-populate the respective data field and display the auto-populated data field on a user interface of the device.

8. The system of claim 6 , wherein the instructions, when executed by the one or more processors, are further configured to cause the system to:

store the web-based form in a database; and

cause the user interface of the device to prompt the applicant to select the third party.

9. The system of claim 6 , wherein the instructions, when executed by the one or more processors, are further configured to cause the system to:

transmit data indicative of an authentication request associated with the selected third party; and

receive a security token in response to a validated authentication request, the security token being configured to enable communication between the application server and the selected third party via the third party API.

10. A system comprising:

a communication interface configured to transmit a web-based form to a device of an applicant and receive an input indicative of an applicant selection for a third party system to provide data to populate a plurality of fields of the web-based form; and

an application server, that, in conjunction with the communication interface, is configured to:

transmit, responsive to receiving the input via the communication interface, a call, using a third party application programming interface (API), to the selected third party system;

transmit data indicative of an authentication request associated with the selected third party system;

receive data indicative of a validated authentication request;

request a set of data from the selected third party system via the third party API; and

receive the requested set of data via the third party API, the requested set of data comprising data for populating a specific data field of the web-based form.

11. The system of claim 10 , wherein the application server, in conjunction with the communication interface, is further configured to associate the received set of data with a respective data field in the web-based form, and transmit the associated data with the respective data field in the web-based form to the device thereby causing the device to auto-populate the respective data field and display the auto-populated data field on a user interface of the device.

12. The system of claim 11 , wherein the user interface is part of a native application executing on the device.

13. The system of claim 11 , wherein the user interface is a mobile optimized web browser interface.

14. The system of claim 11 , wherein the user interface of the device is configured to prompt the applicant to select the third party system.

15. The system of claim 10 , wherein the web-based form further comprises a data field that is to be populated manually by the applicant.

16. The system of claim 10 , wherein the third party system is associated with the third party API.

17. The system of claim 16 , wherein the third party system comprises a privacy module configured to transmit the security token via the third party API.

18. The system of claim 16 , wherein the third party system comprises a social network.

19. The system of claim 16 , wherein the application server and the third party system each comprise a transfer module configured to enable data transfer between the application server and the third party system.

20. The system of claim 10 , wherein the received data indicative of the validated authentication request comprises a security token configured to enable communication between the application server and the selected third party system via the third party API.

Assignments (2)
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Jul 1, 2019
From: CAPITAL ONE FINANCIAL CORPORATION
To: CAPITAL ONE SERVICES, LLC
Reel/Frame 049642/0702 →
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Oct 9, 2018
From: WETZEL, CHRISTOPHER; TRIVEDI, DWIJ; COLENSO, ROBERT
To: CAPITAL ONE FINANCIAL CORPORATION
Reel/Frame 047106/0637 →
Continuity (4)
Continuation 15422653 · Feb 2, 2017
Continuation 14608417 · Jan 29, 2015
Provisional Application 61933136 · Jan 29, 2014
Related Publication 20190050380A1 · Feb 14, 2019