Granted Patent B2

US 12,493,716 · App. 18/586,802 · Granted Dec 9, 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 (86)

1 . A computing system comprising one or more processors, the computing system being configured to:

transmit, to a user device, an internet portal to an internet browser or to a portal application executing on the user device, the internet portal comprising a login screen for accessing an interactive graphical user interface (GUI) granting control over linking of accounts with third-party client applications;

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

provide, via the GUI of the internet portal, in response to verifying that the login credential grants access to the internet portal, an account listing of one or more financial accounts, the account listing comprising a financial account having financial and nonfinancial account data;

detect, via the internet portal, an account selection of the financial account in the account listing in the GUI of the internet portal;

provide, via the GUI of the internet portal, in response to detecting the account selection, an application listing of a plurality of client applications that are linked to the selected financial account such that subsets of the financial and nonfinancial account data are accessible to each client application in the application listing, the application listing comprising a first client application which communicates, when executed on the user device, with a first service provider computing system of a first entity and a second client application which communicates, when executed on the user device, with a second service provider computing system of a second entity;

detect, via internet portal, an unlink selection indicating that the first client application is to be unlinked from the financial account;

deactivate a first access token, corresponding to the financial account, that granted the first client application access to the financial and nonfinancial account data of the financial account via the first service provider computing system;

receive, from the first service provider computing system, a first application programming interface (API) request comprising the first access token and a first request for a first subset of the financial and nonfinancial account data;

determine that the first access token is deactivated and, in response to determining that the first access token is deactivated, decline the first request for the first subset of the financial and nonfinancial account data;

receive, from the second service provider computing system, a second API request comprising a second access token and a second request for a second subset of the financial and nonfinancial account data;

determine that the second access token grants the second client application access to the financial and nonfinancial account data of the financial account via the second service provider computing system;

in response to determining that the second access token grants access, transmit to the second service provider computing system the second subset of the financial and nonfinancial account data; and

provide, via the GUI of the internet portal, based on the second API request, information on access to the financial account by the second client application.

2 . The computing system of claim 1 , wherein the computing system is configured to:

provide, via the GUI of the internet portal and subsequent to deactivation of the first access token, the application listing comprising the second client application but not the unlinked first client application.

3 . The computing system of claim 1 , wherein the computing system is configured to provide, via the GUI of the internet portal, the unlink selection corresponding to the first client application and a second unlink selection corresponding to the second client application.

4 . The computing system of claim 1 , where the computing system is configured to:

detect, via the GUI of the internet portal, a second unlink selection indicating that the second client application is to be unlinked from the financial account; and

deactivate the second access token that granted the second client application access to the financial and nonfinancial account data of the financial account via the second service provider computing system.

5 . The computing system of claim 1 , wherein the computing system is configured to:

receive, from the second service provider computing system, a third API request comprising the second access token and a third request for a third subset of the financial and nonfinancial account data; and

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

6 . The computing system of claim 1 , wherein the computing system is configured to:

provide, via the GUI of the internet portal, the account listing and detect, via the account listing, selection of a second financial account comprising second financial and nonfinancial account data; and

provide, via the GUI of the internet portal, in response to detecting selection of the second financial account, a second application listing comprising a second plurality of client applications that are linked to the selected second financial account such that subsets of the second financial and nonfinancial account data are accessible to each client application in the second application listing, the second application listing comprising the second client application and a third client application which communicates, when executed on the user device, with a third service provider computing system of a third entity.

7 . The computing system of claim 6 , wherein the computing system is configured to:

detect, via the GUI of the internet portal, a third unlink selection indicating that the second client application is to be unlinked from the second financial account;

deactivate a third access token corresponding to the second financial account that granted the second client application access to the second financial and nonfinancial account data of the second financial account via the second service provider computing system;

receive, from the second service provider computing system, a fourth API request comprising the third access token and a fourth request for a fourth subset of the second financial and nonfinancial account data; and

approve or decline the fourth request for the fourth subset of the second financial and nonfinancial account data based on a status of the third access token.

8 . The computing system of claim 6 , wherein the computing system is configured to:

receive, from a third service provider computing system, a fifth API request comprising a fourth access token and a fifth request for a fifth subset of the second financial and nonfinancial account data;

determine that the fourth access token grants the third client application access to the second financial and nonfinancial account data of the second financial account via the third service provider computing system;

in response to determining that the fourth access token grants access, transmit to the third service provider computing system the fifth subset of the second financial and nonfinancial account data; and

provide, via the GUI of the internet portal, based on the fifth API request, information on access to the second financial account by the third client application.

9 . The computing system of claim 1 , wherein the computing system is configured to provide, via the GUI of the internet portal, information on recent transactions by at least one of the first client application or the second client application.

10 . The computing system of claim 1 , wherein the computing system is configured to provide information on unusual activity with respect to at least one of the first client application or the second client application.

11 . The computing system of claim 1 , wherein the computing system is configured to, in response to detecting unusual activity with respect to the second client application, deactivate the second access token to disable access to the financial and nonfinancial account data by the second client application.

12 . The computing system of claim 1 , wherein at least one of the first client application or the second client application is a financial health application.

13 . A computer-implemented method, the method comprising:

transmitting, to a user device, an internet portal to an internet browser or to a portal application executing on the user device, the internet portal comprising a login screen for accessing an interactive graphical user interface (GUI) granting control over linking of accounts with third-party client applications;

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

provide, via the GUI of the internet portal, in response to verifying that the login credential grants access to the internet portal, an account listing of one or more financial accounts, the account listing comprising a financial account having financial and nonfinancial account data;

detecting, via the internet portal, an account selection of the financial account in the account listing in the GUI of the internet portal;

provide, via the GUI of the internet portal, in response to detecting the account selection, an application listing of a plurality of client applications that are linked to the selected financial account such that subsets of the financial and nonfinancial account data are accessible to each client application in the application listing, the application listing comprising a first client application which communicates, when executed on the user device, with a first service provider computing system of a first entity and a second client application which communications, when executed on the user device, with a second service provider computing system of a second entity;

detecting, via the internet portal, an unlink selection indicating that the first client application is to be unlinked from the financial account;

deactivating a first access token, corresponding to the financial account, that granted the first client application access to the financial and nonfinancial account data of the financial account via the first service provider computing system;

receiving, from the first service provider computing system, a first API request comprising the first access token and a first request for a first subset of the financial and nonfinancial account data;

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

receiving, from the second service provider computing system, a second API request comprising a second access token and a second request for a second subset of the financial and nonfinancial account data;

determining that the second access token grants the second client application access to the financial and nonfinancial account data of the financial account via the second service provider computing system;

in response to determining that the second access token grants access, transmitting to the second service provider computing system the second subset of the financial and nonfinancial account data; and

providing, via the GUI of the internet portal, based on the second API request, information on access to the financial account by the second client application.

14 . The method of claim 13 , further comprising providing, via the GUI of the internet portal and subsequent to deactivation of the first access token, the application listing comprising the second client application but not the unlinked first client application.

15 . The method of claim 13 , further comprising:

detecting, via the GUI of the internet portal, a second unlink selection indicating that the second client application is to be unlinked from the financial account; and

deactivating the second access token that granted the second client application access to the financial and nonfinancial account data of the financial account via the second service provider computing system.

16 . The method of claim 13 , further comprising:

receiving, from the second service provider computing system, a third API request comprising the second access token and a third request for a third subset of the financial and nonfinancial account data; and

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

17 . The method of claim 13 , further comprising:

providing, via the GUI of the internet portal, the account listing and detecting, via the account listing, selection of a second financial account comprising second financial and nonfinancial account data; and

providing, via the GUI of the internet portal, in response to detecting selection of the second financial account, a second application listing comprising a second plurality of client applications that are linked to the selected second financial account such that subsets of the second financial and nonfinancial account data are accessible to each client application in the second application listing, the second application listing comprising the second client application and a third client application which communicates, when executed on the user device, with a third service provider computing system of a third entity.

18 . The method of claim 17 , further comprising:

detecting, via the GUI of the internet portal, a third unlink selection indicating that the second client application is to be unlinked from the second financial account;

deactivating a third access token corresponding to the second financial account that granted the second client application access to the second financial and nonfinancial account data of the second financial account via the second service provider computing system;

receiving, from the second service provider computing system, a fourth API request comprising the third access token and a fourth request for a fourth subset of the second financial and nonfinancial account data; and

approving or declining the fourth request for the fourth subset of the second financial and nonfinancial account data based on a status of the third access token.

19 . The method of claim 17 , further comprising:

receiving, from a third service provider computing system, a fifth API request comprising a fourth access token and a fifth request for a fifth subset of the second financial and nonfinancial account data;

determining that the fourth access token grants the third client application access to the second financial and nonfinancial account data of the second financial account via the third service provider computing system;

in response to determining that the fourth access token grants access, transmitting to the third service provider computing system the fifth subset of the second financial and nonfinancial account data; and

providing, via the GUI of the internet portal, based on the fifth API request, information on access to the second financial account by the third client application.

20 . A computing system comprising one or more processors, the computing system being configured to:

transmit, to a user device, an internet portal granting control over linking of accounts with third-party client applications, and grant, based on a biometric input acquired via the user device, access to the internet portal;

present, in an interactive graphical user interface (GUI) of the internet portal, in response to granting access to the internet portal, an account listing of one or more financial accounts, the account listing comprising a financial account with account data;

detect, via the interactive GUI, selection of the financial account in the account listing;

present, via the GUI of the internet portal, in response to detecting selection of the financial account, an application listing of a plurality of client applications linked to the financial account such that subsets of the account data are accessible to each client application in the application listing, the application listing comprising a first client application which communicates with a first service provider computing system of a first entity and a second client application which communications with a second service provider computing system of a second entity;

detect, via the interactive GUI, an unlink selection indicating that a first link is to be severed;

deactivate a first access token, corresponding to the financial account, that granted the first client application access to the account data;

receive, from the first service provider computing system, a first API request comprising the first access token and a first request for a first subset of the account data;

determine that the first access token is deactivated and, in response to determining that the first access token is deactivated, decline the first request for the first subset of the account data;

receive, from the second service provider computing system, a second API request comprising a second access token and a second request for a second subset of the account data;

determine that the second access token grants the second client application access to the account data of the financial account; and

in response to determining that the second access token grants access to the account data, transmit to the second service provider computing system the second subset of the account data.

Assignments (1)

Continuity (13)

References Cited (400)