Granted Patent B2

US 12,223,091 · App. 18/421,697 · Granted Feb 11, 2025

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 first computing system of a first entity, the first computing system comprising one or more processors configured to:

serve, to a first client application executing on a user device, an internet portal granting control over linking of accounts with client applications other than the first client application;

accept, via the internet portal, a login credential and verify that the login credential grants access to the internet portal;

present, via the internet portal, an account listing of one or more accounts with which one or more client applications are linkable;

detect, via the account listing of the internet portal, selection of a financial account comprising account data;

present, in the internet portal, a first application listing of one or more client applications installed on the user device, the first application listing identifying a second client application which communicates, when executed on the user device, with a second computing system of a second entity;

detect, via the first application listing of the internet portal, a first selection to link the second client application to the financial account;

link, in response to detecting the first selection, the financial account to the second client application;

present, in the internet portal, a second application listing identifying a third client application which communicates, when executed on the user device, with a third computing system of a third entity;

detect, via the second application listing of the internet portal, a second selection to link the third client application to the financial account;

link, in response to detecting the second selection, the financial account to the third client application;

receive, from the second computing system, a first application programming interface (API) call comprising a first request for a first subset of the account data;

in response to verifying the second client application is linked to the financial account, transmit the first subset of the account data to the second computing system;

receive, from the third computing system, a second API call comprising a second request for a second subset of the account data;

in response to verifying the third client application is linked to the financial account, transmit the second subset of the account data to the third computing system; and

present, in the internet portal, based on at least one of the first API call and the second API call, information on access to the financial account by at least one of the second client application or the third client application.

2. The first system of claim 1 , wherein linking the financial account to the second client application comprises generating a first access token corresponding to the financial account and transmitting the first access token to the second computing system for access to the account data of the financial account by the second client application via the second computing system.

3. The first system of claim 2 , wherein the one or more processors are configured to:

receive the first access token received from the second computing system; and

verify the first access token prior to transmitting the first subset of the account data to the second computing system.

4. The first system of claim 1 , wherein the one or more processors are configured to:

generate a second access token corresponding to the financial account and transmit the second access token to the third computing system to link the financial account to the third client application.

5. The first system of claim 4 , wherein the one or more processors are configured to:

receive the second access token with the second API call from the third computing system; and

verify the second access token to authenticate the second request.

6. The first system of claim 1 , wherein the one or more processors are configured to:

present, via the internet portal, a second account listing and detect, via the second account listing, a third selection of a second financial account comprising second account data;

present, via the internet portal, a third application listing and detect, via the third application listing, a fourth selection to link the second client application or the third client application to the second financial account; and

generate a third access token corresponding to the second financial account and transmit the third access token to the second computing system or to the third computing system for access to the second account data by the second client application or by the third client application, respectively.

7. The first system of claim 1 , wherein the one or more processors are configured to accept, via the internet portal, access permissions limiting which data is accessible to at least one of the second client application or the third client application.

8. The first system of claim 1 , wherein the one or more processors are configured to accept, via the internet portal, access permissions limiting which functionality is available to at least one of the second client application or the third client application.

9. The first system of claim 1 , wherein the one or more processors are configured to unlink the financial account from the second client application or the third client application by deactivating a first access token or a second access token, respectively.

10. The first system of claim 1 , wherein the one or more processors are configured to present, via the internet portal, information on recent transactions by at least one of the second client application or the third client application.

11. The first system of claim 1 , wherein the one or more processors are configured to present information on unusual activity with respect to at least one of the second client application or the third client application.

12. The first system of claim 11 , wherein the one or more processors are configured to:

in response to detecting unusual activity with respect to the second client application, disable access to the first subset of the account data by the second client application; or

in response to detecting unusual activity with respect to the third client application, disable access to the second subset of the account data by the third client application.

13. The first system of claim 1 , wherein the one or more processors are configured to disable access by the second client application or the third client application by deactivating a first access token or a second access token, respectively.

14. The first system of claim 1 , wherein at least one of the second client application and the third client application is a financial application.

15. A first computing system of a first entity, the first computing system comprising one or more processors configured to:

serve, to a first client application executing on a user device, an internet portal comprising an interactive graphical user interface (GUI) granting control over linking of accounts with client applications other than the first application;

accept, via the internet portal, a login credential and verify that the login credential grants access to the internet portal;

present, in the GUI of the internet portal, an application listing identifying a second client application which communicates, when executed on the user device, with a second computing system of a second entity;

detect, via the application listing in the GUI of the internet portal, selection of the second client application;

present, in the GUI of the internet portal, a first account listing of one or more accounts with which one or more client applications are linkable, the first account listing identifying a first financial account comprising first account data;

detect, via the first account listing in the GUI of the internet portal, a first selection to link the second client application to the first financial account;

link, in response to the first selection, the first financial account to the second client application present, in the GUI of the internet portal, a second account listing identifying a second financial account comprising second account data;

detect, via the second account listing in the GUI of the internet portal, a second selection to link the second client application to the second financial account;

link, in response to the second selection, the second financial account to the second client application;

receive, from the second computing system, a first API call comprising a first request for a first subset of the first account data;

in response to verifying the second client application is linked to the first financial account, transmit the first subset of the first account data to the second computing system;

receive, from the second computing system, a second API call comprising a second request for a second subset of the second account data;

in response to verifying the second client application is linked to the second financial account, transmit the second subset of the second account data to the second computing system; and

present, in the GUI of the internet portal, based on at least one of the first request and second request, information on access to at least one of the first financial account or the second financial account by the second client application.

16. The first system of claim 15 , wherein the one or more processors are configured to:

present, in the GUI of the internet portal, a second application listing identifying a third client application which communicates, when executed on the user device, with a third computing system and detect, via the second application listing, selection of the third client application;

present, in the GUI of the internet portal, the first account listing or the second account listing and detect, via the presented first or second account listing, a third selection to link the first financial account or the second financial account to the third client application; and

link, based on the third selection, the first financial account or the second financial account to the third client application for access to the first account data or to the second account data, respectively, by the third client application.

17. The first system of claim 15 , wherein the one or more processors are configured to accept, via the GUI of the internet portal, access permissions limiting at least one of: (1) which data is accessible to the second client application, or (2) functionality available to the second client application.

18. The first system of claim 15 , wherein the one or more processors are configured to:

detect unusual activity corresponding to the second client application with respect to at least one of the first financial account or the second financial account; and

in response to detecting the unusual activity corresponding to the second client application, disable access to the second client application by deactivating at least one of a first access token or a second access token.

19. A mobile device comprising a memory storing a first client application of a first entity, a touchscreen display, and a processor configured to:

present, on the touchscreen display, a home screen comprising an application icon identifying the first client application as being installed on the mobile device;

detect, via the home screen, using the touchscreen display, selection of the application icon stored in the memory, and in response to detecting selection of the application icon, launch the first client application, wherein the first client application is configured to cause, when executed by the mobile device, the processor to:

interface with a server of a first computing system to access an internet portal comprising an interactive graphical user interface (GUI) granting control over linking of accounts with client applications;

detect, via the GUI of the internet portal, a login credential entered by a user to authenticate the user as being authorized to access the internet portal;

retrieve, via the server, a first account identifier corresponding to a first financial account linked to the first client application, and a second account identifier corresponding to a second financial account linked to the first client application;

present, in the GUI of the internet portal, on the touchscreen display, an account listing that identifies accounts linked to the first client application, the account listing including the first financial account identifier and the second financial account identifier;

detect, via the account listing in the GUI of the internet portal, using the touchscreen display, a first input indicating selection of the first financial account;

present, in the GUI of the internet portal, on the touchscreen display, a first application listing that identifies applications linkable to accounts in the account listing such that account data is accessible to linked applications, the first application listing identifying a second client application that is linkable for access to the first account data of the first financial account via a second computing system of a second entity;

detect, via the first application listing in the GUI of the internet portal, using the touchscreen display, a second input indicating selection to link the second client application to the first financial account;

present, in the GUI of the internet portal, on the touchscreen display, a second application listing that identifies applications linkable to accounts in the account listing such that account data is accessible to linked applications, the second application listing identifying a third client application that is linkable for access to the second account data of the first financial account via a third computing system of a third entity;

detect, via the second application listing in the GUI of the internet portal, using the touchscreen display, a third input indicating selection to link the third client application to the first financial account;

retrieve, via the server, information on at least one of access to the first account data by the second client application or access to the second account data by the third client application; and

present, in the GUI of the internet portal, on the touchscreen display, the retrieved information on at least one of the access to the first account data by the second client application or the access to the second account data by the third client application.

20. The mobile device of claim 19 , wherein the first account data is a first subset of account data of the first financial account, and the second account data is a second subset of the account data of the first financial account, the second subset of the account data of the first financial account being different from the first subset of the account data of the first financial account.

Assignments (1)

Continuity (14)

References Cited (400)