IP Library Granted Patent US 9,602,949
Granted Patent B2
US 9,602,949 · App. 14/608,417 · Granted Mar 21, 2017

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 FINANCIAL CORPORATION
H04W4/001G06F21/445H04L63/0807
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Quick Facts
Patent No.
US 9,602,949
App. No.
14/608,417
Granted
Mar 21, 2017
Kind
B2
Abstract

A system and method that allows an applicant to select a third party to provide data to populate a plurality of fields of a web-based form, a communication interface that receives 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 transmits a third-party application programming interface (API) call to the at least one selected third party; transmits data indicative of an authentication request associated with the selected third party; and receives a security token in response to a validated authentication request, the security token enabling communication between application server and the third party system via the third party API, wherein the enabled communications is based on a set of permissions, each permission associated with a specific data field in the web-based form.

Claims (13)

1. A system comprising:

a database that stores a web-based form that includes a link to allow an applicant to select a third party to provide data to populate a plurality of fields of the web-based form;

a communication interface that transmits the web-based form to a mobile device of a user 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, in response to the selection, transmits a third-party application programming interface (API) call to the at least one selected third party; transmits data indicative of an authentication request associated with the selected third party; and receives a security token in response to a validated authentication request, the security token enabling communication between application server and the third party system via the third party API, wherein the enabled communication is based on a set of permissions, each permission of the set of permissions associated with a specific data field in the web-based form, and wherein each permission of the set of permissions is provided to the third party API in a notification.

2. The system of claim 1 , wherein the application server, in conjunction with the communication interface, receives data for a respective data field in the web-based form, associates the received data with the respective data field in the web-based form, and transmits the associated data with the respective data field in the web-based form to the mobile device thereby causing the mobile device to auto-populate respective data field and display the auto-populated data field on a user interface of the mobile device.

3. The system of claim 2 , wherein the user interface of the mobile device prompts the user to select the third party.

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

5. The system of claim 1 , wherein the user interface is part of a native application executing on the mobile device.

6. The system of claim 1 , wherein the user interface is a mobile optimized web browser interface.

7. The system of claim 1 , wherein the third party comprises a third party system associated with the third party API.

8. The system of claim 7 , wherein the third party system comprises a privacy module that transmits the security token via the third party API.

9. The system of claim 7 , wherein the third party system comprises a social network.

10. The system of claim 7 , wherein the application server and the third party system each include a transfer module that enables data transfer between the application server and the third party system.

Assignments (2)
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Jan 30, 2018
From: CAPITAL ONE FINANCIAL CORPORATION
To: CAPITAL ONE SERVICES, LLC
Reel/Frame 045192/0105 →
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Mar 6, 2015
From: WETZEL, CHRISTOPHER; TRIVEDI, DWIJ; COLENSO, ROBERT
To: CAPITAL ONE FINANCIAL CORPORATION
Reel/Frame 035100/0354 →
Continuity (2)
Provisional Application 61933136 · Jan 29, 2014
Related Publication 20150215305A1 · Jul 30, 2015