Granted Patent B2

US 12,554,881 · App. 18/601,122 · Granted Feb 17, 2026

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 (69)

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

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

present, in a graphical user interface (GUI) of the internet portal, following verification of access to the internet portal, an account listing of one or more accounts with which one or more applications are linkable;

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

present, in the GUI of the internet portal, an application listing of one or more client applications installed on a user device, 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;

detect, via the GUI of the internet portal, selection to link the first client application with the financial account;

generate a first access token corresponding to the financial account and transmit the first access token to the first service provider computing system for access to the financial and nonfinancial account data of the financial account by the first client application via the first service provider computing system;

present, in the GUI of the internet portal, the application listing comprising 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 the GUI of the internet portal, selection to link the second client application with the financial account;

generate a second access token corresponding to the financial account and transmit the second access token to the second service provider computing system for access to the financial and nonfinancial account data by the second client application via the second service provider computing system;

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

verify the first access token to authenticate the first request, and in response to verifying the first access token, transmit the first subset to the first service provider computing system;

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

verify the second access token to authenticate the second request, and in response to verifying the second access token, transmit the second subset to the second service provider computing system; and

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

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

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

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

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

3 . The system of claim 1 , wherein the computing system is configured to accept, via the GUI of the internet portal, access permissions limiting which data is accessible to at least one of the first client application or the second client application.

4 . The system of claim 1 , wherein the computing system is configured to accept, via the GUI of the internet portal, access permissions limiting which functionality is available to at least one of the first client application or the second client application.

5 . The system of claim 1 , wherein the computing system is configured to unlink the financial account from the first client application or the second client application by deactivating the first access token or the second access token, respectively.

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

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

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

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

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

9 . The system of claim 8 , wherein the one or more processors are configured to disable access by the first client application or the second client application by deactivating the first access token or the second access token, respectively.

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

11 . The system of claim 1 , wherein the computing system is a computing system of a third entity.

12 . The system of claim 1 , wherein the one or more processors serve, to the user device, the internet portal comprising the GUI to grant control over linking of accounts with client applications.

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

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

present, in a graphical user interface (GUI) of the internet portal, following verification of access to the internet portal, an application listing of one or more client applications installed on a user device, the application listing comprising a client application which communicates, when executed on the user device, with a service provider computing system;

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

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

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

generate a first access token corresponding to the first financial account and transmit the first access token to the service provider computing system for access to the first financial and nonfinancial account data by the client application;

present, in the GUI of the internet portal, the account listing comprising a second financial account comprising second financial and nonfinancial account data;

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

generate a second access token corresponding to the second financial account and transmit the second access token to the service provider computing system for access to the second financial and nonfinancial account data by the client application;

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

verify the first access token to authenticate the first request, and in response to verifying the first access token, transmit the first subset to the service provider computing system;

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

verify the second access token to authenticate the second request, and in response to verifying the second access token, transmit the second subset to the service provider computing system; and

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

14 . The system of claim 13 , wherein the computing system is further configured to:

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

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

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

15 . The system of claim 13 , wherein the computing system is configured to accept, via the GUI of the internet portal, access permissions limiting at least one of (i) which data is accessible to the client application or (ii) functionality available to the client application.

16 . The system of claim 13 , wherein the computing system is configured to unlink the first financial account or the second financial account from the client application by deactivating the first access token or the second access token, respectively.

17 . The system of claim 13 , wherein the computing system is configured to present, in the GUI of the internet portal, information on recent transactions by the client application with respect to at least one of the first financial account or the second financial account.

18 . The system of claim 13 , wherein the computing system is configured to:

present information on unusual activity with respect to at the client application; and

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

19 . A mobile device comprising a memory storing a control application, a touchscreen display, and a processor configured to execute the mobile device following selection of a control application icon via a home screen that comprises the control application icon to identify the control application as being installed on the mobile device, wherein the control application is configured to cause, when executed by the mobile device, the processor to:

interface with a control server of a service provider computing system to access an internet portal comprising an interactive graphical user interface (GUI) granting control over linking of accounts with 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 control server, a first account identifier corresponding to a first financial account linked to the control application, and a second account identifier corresponding to a second financial account linked to the control application;

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

detect, via 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 financial and nonfinancial account data is accessible to linked applications, the application listing including a first provider application installed on the mobile device and configured to access first account data of the first financial account via a first provider computing system of a first entity;

detect, via the GUI of the internet portal, using the touchscreen display, a second input indicating selection to link the first provider 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 including a second provider application installed on the mobile device and configured to access second account data of the first financial account via a second provider computing system of a second entity;

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

retrieve, via the control server, information on at least one of use of the first account data by the first provider application or use of the second account data by the second provider application; and

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

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

Continuity (13)

References Cited (400)