Granted Patent B1

US 11,227,064 · App. 17/024,554 · Granted Jan 18, 2022

Inventors: Lila Fakhraie (Belmont, CA); Brian M. Pearce (Pleasanton, CA); Steven Pulido (San Francisco, CA); Benjamin Soccorsy (Larkspur, CA); James Stahley (San Francisco, CA); Mojdeh Tomsich (Piedmont, CA)

Assignee: WELLS FARGO BANK, N.A.

G06F21/6245H04L63/10G06F16/215G06F21/6263

Abstract

Claims (77)

1. A method implemented by a service provider computing system comprising one or more processors, the method comprising:

receiving, from a financial institution computing system, a security access token granting limited access to a user account:

(i) that is administered by the financial institution computing system for a user,

(ii) that comprises account information including financial and nonfinancial data acquired from a user device of the user, and

(iii) that is linked to a client application with which the service provider computing system communicates when the client application is executed on the user device of the user;

transmitting, to the financial institution computing system, an application programming interface (API) call comprising the security access token and a request for a subset of the financial and nonfinancial data of the user account that is accessible to the service provider computing system based on the limited access granted by the security access token;

receiving, in response to the API call, from the financial institution computing system, the subset of the financial and nonfinancial data of the user account requested through the API call;

storing, in a non-volatile memory, the subset of the financial and nonfinancial data received from the financial institution computing system;

transmitting, in response to receiving a data request from the client application, a data response related to the subset of the financial and nonfinancial data that is stored in the non-volatile memory to the client application executing on the user device;

receiving, from the financial institution computing system, based on a user selection, a scrub command instructing the service provider computing system to delete account data of the user account;

in response to receiving the scrub command, deleting, from the non-volatile memory, the subset of the financial and nonfinancial data received from the financial institution computing device; and

transmitting, to the financial institution computing system, an indication that account data of the user account has been deleted from the service provider computing system.

2. The method of claim 1 , further comprising receiving, from the client application executing on the user device, prior to receiving the scrub command, a data request for the subset of financial and nonfinancial data.

3. The method of claim 2 , further comprising transmitting, in response to receiving the data request from the client application, the subset of the financial and nonfinancial data that is stored in the non-volatile memory to the client application executing on the user device.

4. The method of claim 1 , further comprising presenting, in a graphical interface of the client application executing on the user device, an indication that account data of the user account has been deleted.

5. The method of claim 1 , further comprising receiving, from the client application executing on the user device, after receiving the scrub command, a data request for the subset of financial and nonfinancial data.

6. The method of claim 5 , further comprising transmitting, in response to receiving the data request from the client application, an indication that the data request is declined.

7. The method of claim 1 , further comprising receiving, from the financial institution computing system, a second security access token granting limited access to a second user account:

(i) that is administered by the financial institution computing system for the user, and

(ii) that comprises second account information including second financial and nonfinancial data acquired via the user device of the user.

8. The method of claim 7 , wherein the second security access token links the second user account to a second client application with which the service provider computing system communicates when the second client application is executed on the user device of the user.

9. The method of claim 7 , further comprising:

transmitting, to the financial institution computing system, a second API call comprising the second security access token and a second request for a second subset of the financial and nonfinancial data of the second user account that is accessible to the service provider computing system based on the limited access granted by the second security access token;

receiving, in response to the second API call, from the financial institution computing system, the second subset of the financial and nonfinancial data of the user account requested through the second API call; and

storing, in the non-volatile memory, the second subset of the financial and nonfinancial data received from the financial institution computing system.

10. The method of claim 9 , wherein the second security access token links the second user account to a second client application with which the service provider computing system communicates when the second client application is executed on the user device of the user, and wherein the method further comprises:

receiving, from the second client application executing on the user device, a second data request for the second subset of financial and nonfinancial data; and

transmitting, in response to receiving the second data request from the second client application, the second subset of the financial and nonfinancial data that is stored in the non-volatile memory to the second client application executing on the user device.

11. The method of claim 1 , further comprising:

receiving, from the financial institution computing system, a third security access token granting limited access to the user account with respect to a third client application with which the service provider computing system communicates when the third client application is executed on the user device of the user;

transmitting, to the financial institution computing system, a third API call comprising the third security access token and a third request for a third subset of the financial and nonfinancial data of the user account that is accessible to the service provider computing system based on the limited access granted by the third security access token;

receiving, in response to the third API call, from the financial institution computing system, the third subset of the financial and nonfinancial data of the user account requested through the third API call; and

storing, in the non-volatile memory, the third subset of the financial and nonfinancial data received from the financial institution computing system.

12. The method of claim 11 , further comprising:

receiving, from the financial institution computing system, a second scrub command instructing the service provider computing system to delete account data of the user account; and

in response to receiving the second scrub command, deleting, from the non-volatile memory, the third subset of the financial and nonfinancial data received from the financial institution computing device.

13. A method implemented by a computing system comprising one or more processors, the method comprising:

providing, to a user device of a user via an internet server of the computing system, a portal comprising a login screen for accessing an interactive graphical interface that enables control over account data of accounts linked to client applications;

accepting, via the login screen, a login credential and verifying that the login credential grants access to the internet portal;

in response to verifying that the login credential grants access to the internet portal, presenting, in the graphical interface displayed on a touchscreen of the user device, an account listing comprising a plurality of financial accounts administered by the computing system;

detecting, via the touchscreen of the user device, a first selection of a financial account in the account listing presented in the graphical interface of the internet portal, the financial account administered for the user, the financial account having financial and nonfinancial account data acquired from the user device of the user;

in response to detecting the first selection, presenting, in the graphical interface of the internet portal displayed on the touchscreen, an application listing of a plurality of client applications that are linkable to the financial account such that subsets of the financial and nonfinancial account data are accessible to each client application linked to the financial account when each client application is executed on the user device of the user;

detecting, via the touchscreen of the user device, a second selection to link the financial account to a client application which communicates, when executed on the user device, with a third-party computing system;

in response to detecting the second selection, generating a security access token corresponding to the financial account and transmitting the security access token to the third-party computing system to enable access by the client application to the financial and nonfinancial data of the financial account via the third-party computing system;

receiving, from the third-party computing system, an API call comprising the security access token and a request for a subset of the financial and nonfinancial account data;

verifying the security access token to authenticate the request, and in response to verifying the security access token, transmitting the subset of the financial and nonfinancial account data to the third-party computing system for the third-party computing system to use in communications with the client application;

detecting, via the touchscreen of the user device, a third selection indicating that account data is to be deleted from the client application;

in response to detecting the third selection, transmitting to the third-party computing system a scrub command to have the third-party computing system delete the subset of the financial and nonfinancial account data; and

receiving, from the third-party computing system, following transmission of the scrub command to the third-party computing system, an indication that the subset of the financial and nonfinancial account data has been deleted from the third-party computing system.

14. The method of claim 13 , further comprising presenting, in the graphical interface of the internet portal displayed on the touchscreen, an icon indicating that account data has been scrubbed with respect to the third-party computing system.

15. The method of claim 13 , wherein the client application is a first client application and the financial account is additionally linked to a second client application, and wherein the method further comprises presenting, in the graphical interface of the internet portal displayed on the touchscreen, a third listing comprising the first client application with an icon indicating account data has been scrubbed, and the second client application without the icon that would indicate that account data has been scrubbed.

16. The method of claim 13 , further comprising deactivating the security access token in response to the third selection.

17. The method of claim 16 , further comprising:

receiving, from the third-party computing system, a second API call comprising the security access token and a second request for a second subset of the financial and nonfinancial account data; and

determining that the security access token is deactivated and, in response to determining that the security access token is deactivated, declining the second request for the second subset of the financial and nonfinancial account data.

18. A service provider computing system comprising one or more processors connected to a memory with instructions which when executed cause the one or more processors to:

receive, from a financial institution computing system, a security access token linking a client application to a user account and granting the service provider computing system limited access to financial and nonfinancial account data of the user account, wherein:

(i) the user account is administered by the financial institution computing system for the user,

(ii) the financial and nonfinancial data was acquired by the financial institution computing system from a user device of a user, and

(iii) the client application communicates with the service provider computing system when the client application is executed on the user device of the user;

transmit, to the financial institution computing system, an API call comprising the security access token and a request for a subset of the financial and nonfinancial data of the user account that is accessible to the service provider computing system based on the limited access granted by the security access token;

receive, in response to the API call, from the financial institution computing system, the subset of the financial and nonfinancial data of the user account requested through the API call;

store, in a non-volatile memory, the subset of the financial and nonfinancial data received from the financial institution computing system;

receive, from the client application executing on the user device, a data request for the subset of financial and nonfinancial data;

transmit, in response to receiving the data request from the client application, the subset of the financial and nonfinancial data that is stored in the non-volatile memory to the client application executing on the user device;

transmit, in response to receiving a data request from the client application, a data response related to the subset of the financial and nonfinancial data that is stored in the non-volatile memory to the client application executing on the user device;

receive, from the financial institution computing system, based on a user selection, a scrub command instructing the service provider computing system to delete account data of the user account;

in response to receiving the scrub command, delete, from the non-volatile memory, the subset of the financial and nonfinancial data received from the financial institution computing device; and

present, in a graphical interface of the client application executing on the user device, an indication that account data of the user account has been deleted.

19. The service provider computing system of claim 18 , wherein the memory further comprises instructions configured to cause the one or more processors to:

receive, from the financial institution computing system, a second security access token granting limited access to a second user account:

(i) that is administered by the financial institution computing system for the user, and

(ii) that comprises second account information including second financial and nonfinancial data acquired via the user device of the user.

20. The service provider computing system of claim 19 , wherein the second account is linked to a second client application with which the service provider computing system communicates when the second client application is executed on the user device of the user, and wherein the memory further comprises instructions configured to cause the one or more processors to:

transmit, to the financial institution computing system, a second API call comprising the second security access token and a second request for a second subset of the financial and nonfinancial data of the user account that is available to the service provider computing system based on the limited access granted by the second security access token; and

receive, in response to the second API call, from the financial institution computing system, the second subset of the financial and nonfinancial data of the user account requested through the API call; and

store, in the non-volatile memory, the second subset of the financial and nonfinancial data received from the financial institution computing system.

Assignments (1)

Continuity (11)

Cited By (42)

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