Granted Patent B1

US 12,314,931 · App. 17/529,094 · Granted May 27, 2025

Inventors: Sameer Aery (Charlotte, NC); Nathan Bray (Salt Lake City, UT); Frank Fehrenbach (New York, NY); Sreenivas Vas Kodali (Charlotte, NC); Ashish B. Kurani (Hillsborough, CA)

Assignee: Wells Fargo Bank, N.A.

G06Q20/3267G06F3/0482G06F3/0484G06Q20/401

Abstract

Claims (67)

1. A method of providing a management platform for digital platforms, the method comprising:

creating, in response to receiving an indication to enroll in a management platform, a master account associated with a first user, the master account having master login credentials associated therewith;

providing a management graphical user interface (GUI) to a user device in response to a login using the master login credentials;

creating a subordinate account associated with a second user in response to a first user input via the management GUI, the subordinate account having subordinate login credentials associated therewith;

establishing one or more funding rules for the subordinate account in response to a second user input via the management GUI;

transferring funds from the master account to the subordinate account based on satisfaction of the one or more funding rules;

establishing one or more spending rules for the subordinate account in response to a third user input via the management GUI;

providing a subordinate GUI in response to a login using the subordinate login credentials;

funding the subordinate account based on at least one of the one or more funding rules and receipt of an instruction from the subordinate GUI;

generating a master payment token for a payment account associated with the master account;

generating a subordinate payment token for the payment account;

providing the subordinate payment token to a digital platform computing system;

approving a first in-app purchase (IAP) from the subordinate account based on the first IAP satisfying the one or more spending rules; and

providing a dashboard via the management GUI, the dashboard comprising a ledger of transactions, the ledger of transactions comprising the first IAP.

2. The method of claim 1 , wherein establishing the one or more funding rules comprises:

receiving, via the management GUI, a request for a new time-based funding rule; and

associating the time-based funding rule with the subordinate account.

3. The method of claim 1 , further comprising updating the subordinate GUI to include at least one of the funding rules.

4. The method of claim 1 , further comprising associating the subordinate account with an account at the digital platform computing system.

5. The method of claim 4 , wherein establishing the one or more spending rules comprises:

receiving, via the management GUI, a request for a content-based spending rule; and

providing the content-based spending rule to the digital platform computing system.

6. The method of claim 1 , wherein establishing the one or more funding rules comprises:

receiving, via the management GUI, a request for a new event-based funding rule; and

associating the event-based funding rule with the subordinate account.

7. A system, comprising:

a processing circuit comprising a memory coupled to a processor, the memory storing instructions therein that, when executed by the processor, cause the processing circuit to:

create, in response to receiving an indication to enroll in a management platform, a master account associated with a first user, the master account having master login credentials associated therewith;

provide a management GUI to a user device in response to a login using the master login credentials;

create a subordinate account associated with a second user in response to a first user input via the management GUI, the subordinate account having subordinate login credentials associated therewith;

establish one or more funding rules for the subordinate account in response to a second user input via the management GUI;

transfer funds from the master account to the subordinate account in response to satisfaction of the one or more funding rules;

establish one or more spending rules for the subordinate account in response to a third user input via the management GUI;

provide a subordinate GUI in response to a login using the subordinate login credentials;

fund the subordinate account based on at least one of the or more funding rules and receipt of an instruction from the subordinate GUI;

generate a master payment token for a payment account associated with the master account;

generate a subordinate payment token for the payment account;

provide the subordinate payment token to a digital platform computing system;

approve a first in-app purchase (IAP) from the subordinate account based on the first IAP satisfying the one or more spending rules; and

provide a dashboard via the management GUI, the dashboard comprising a ledger of transactions, the ledger of transactions comprising the first IAP.

8. The system of claim 7 , wherein the instructions, when executed by the processor, further cause the processing circuit to:

receive, via the management GUI, a request for a new time-based funding rule; and

associate the time-based funding rule with the subordinate account.

9. The system of claim 7 , wherein the instructions, when executed by the processor, further cause the processing circuit to update the subordinate GUI to include at least one of the one or more funding rules.

10. The system of claim 7 , wherein the instructions, when executed by the processor, further cause the processing circuit to fund the subordinate account based on at least one of the one or more funding rules and receipt of an instruction from the subordinate GUI.

11. The system of claim 7 , wherein the instructions, when executed by the processor, further cause the processing circuit to associate the subordinate account with an account at the digital platform computing system.

12. The system of claim 7 , wherein establishing one or more spending rules comprises:

receiving, via the management GUI, a request for a content-based spending rule; and

providing the content-based spending rule to the digital platform service.

13. The system of claim 7 , wherein establishing one or more funding rules comprises:

receiving, via the management GUI, a request for a new event-based funding rule; and

associating the event-based funding rule with the subordinate account.

14. A non-transitory computer readable media having computer-executable instructions embodied therein that, when executed by a processor of a provider institution computing system, cause the processor to perform operations comprising:

creating, in response to receiving an indication to enroll in a management platform, a master account associated with a first user, the master account having master login credentials associated therewith;

providing a management GUI to a user device in response to a login using the master login credentials;

creating a subordinate account associated with a second user in response to a first user input via the management GUI, the subordinate account having subordinate login credentials associated therewith;

establishing one or more funding rules for the subordinate account in response to a second user input via the management GUI;

transferring funds from the master account to the subordinate account based on satisfaction of the one or more funding rules;

establishing one or more spending rules for the subordinate account in response to a third user input via the management GUI;

providing a subordinate GUI in response to a login using the subordinate login credentials;

funding the subordinate account based on at least one of the one or more funding rules and receipt of an instruction from the subordinate GUI;

generating a master payment token for a payment account associated with the master account;

generating a subordinate payment token for the payment account;

providing the subordinate payment token to a digital platform computing system;

approving a first IAP from the subordinate account based on the first IAP satisfying the one or more spending rules; and

providing a dashboard via the management GUI, the dashboard comprising a ledger of transactions, the ledger of transactions comprising the first IAP.

15. The non-transitory computer readable media of claim 14 , wherein the operations further comprise associating the subordinate account with an account at the digital platform computing system.

Assignments (1)

Continuity (2)

References Cited (45)