Granted Patent B2

US 12,443,978 · App. 18/132,834 · Granted Oct 14, 2025

Inventors: Chintan Mehta (San Ramon, CA); Jason Strle (San Francisco, CA)

Assignee: Wells Fargo Bank, N.A.

G06Q30/0273G06F9/547G06Q30/0277

Abstract

Claims (45)

1. A system comprising:

a processing circuit configured to perform, via an application programming interface (API), operations comprising:

providing, to a user device, a plurality of selectable representations of categories associated with an experience provider;

receiving, from the user device, a user selection of a selectable representation of at least one category from the categories;

determining one or more un-selected categories comprising a difference between the categories displayed by the experience provider and the user selection of the selectable representation of the at least one category;

prompting the user device, using a real-time negotiation between the user device and a computing system associated with the experience provider, to view at least one un-selected category displayed by the experience provider and contained in the one or more un-selected categories in exchange for compensation, wherein the real-time negotiation comprises:

querying, using at least one API call, the computing system identifying the one or more un-selected categories;

receiving an initial offer to view the at least one un-selected category in exchange for the compensation; and

prompting, using the at least one API call in response to receiving the initial offer, the user device to accept, deny, or counter the initial offer; and

receiving a selection denoting at least one of an acceptance, a denial, or a counter to view the at least one category displayed by the experience provider and contained in the one or more un-selected categories.

2. The system of claim 1 , the operations further comprising receiving, from the computing system associated with the experience provider, a value correlating to a user view of a content item from the at least one category contained in the one or more un-selected categories, the value offered to the user device via the prompt for the compensation.

3. The system of claim 2 , wherein the system receives values correlating to the categories associated with the experience provider via periodic API calls.

4. The system of claim 2 , the operations further comprising offering the user device compensation for the at least one category contained in the one or more un-selected categories via the real-time negotiation between the user device and the computing system associated with the experience provider.

5. The system of claim 2 , the operations further comprising offering the user device compensation for the at least one category contained in the one or more un-selected categories via a secure pop-up or a dynamically marked notification displayed in a messaging center associated with the system.

6. The system of claim 1 , the operations further comprising receiving, from the computing system associated with the experience provider, a tabulation of funds due to a user according to an agreement to view the at least one category displayed by the experience provider.

7. The system of claim 6 , wherein the received tabulation of funds due to the user is verified by the system, and wherein the system causes a deposit of any amount of funds due to an account associated with the user.

8. The system of claim 7 , wherein the account associated with the user is one of a gift card, a prepaid card, and a rewards account, and wherein the system causes the deposit via the at least one API call of the API.

9. The system of claim 7 , wherein the system receives the tabulation of funds due from the computing system associated with the experience provider at predetermined intervals.

10. The system of claim 7 , wherein the system receives the tabulation of funds due from the computing system associated with the experience provider in real-time.

11. A method comprising:

providing, by a processing circuit via an application programming interface (API) to a user device, a plurality of selectable representations of categories associated with an experience provider;

receiving, by the processing circuit via the API from the user device, a user selection of a selectable representation of at least one category from the categories;

determining, by the processing circuit via the API, one or more un-selected categories comprising a difference between the categories displayed by the experience provider and the user selection of the selectable representation of the at least one category;

prompting, by the processing circuit via the API and using a real-time negotiation between the user device and a computing system associated with the experience provider, the user device to view at least one un-selected category displayed by the experience provider and contained in the one or more un-selected categories in exchange for compensation, wherein the real-time negotiation comprises:

querying, using at least one API call, the computing system identifying the one or more un-selected categories;

receiving an initial offer to view the at least one un-selected category in exchange for the compensation; and

prompting, using the at least one API call in response to receiving the initial offer, the user device to accept, deny, or counter the initial offer; and

receiving, by the processing circuit via the API, a selection denoting at least one of an acceptance, a denial, or a counter to view the at least one category displayed by the experience provider and contained in the one or more un-selected categories.

12. The method of claim 11 , further comprising receiving, from the computing system associated with the experience provider, a value correlating to a user view of a content item from the at least one category contained in the one or more un-selected categories, the value offered to the user device via the prompt for the compensation.

13. The method of claim 12 , further comprising receiving, by the processing circuit via the API, values correlating to the categories associated with the experience provider via periodic API calls.

14. The method of claim 12 , further comprising offering the user device compensation for the at least one category contained in the one or more un-selected categories via the real-time negotiation between the user device and the computing system associated with the experience provider.

15. The method of claim 12 , further comprising offering the user device compensation for the at least one category contained in the one or more un-selected categories via a secure pop-up or a dynamically marked notification displayed in a messaging center associated with the API.

16. The method of claim 11 , further comprising receiving, from the computing system associated with the experience provider, a tabulation of funds due to a user according to an agreement to view the at least one category displayed by the experience provider.

17. The method of claim 16 , wherein the received tabulation of funds due to the user is verified by the processing circuit via the API, and wherein the processing circuit causes, via the API, a deposit of any amount of funds due to an account associated with the user.

18. The method of claim 17 , wherein the account associated with the user is one of a gift card, a prepaid card, and a rewards account, and the method further comprising causing the deposit via the at least one API call of the API.

19. The method of claim 17 , wherein the processing circuit, via the API, receives the tabulation of funds due from the computing system associated with the experience provider at predetermined intervals, the processing circuit, via the API, receives the tabulation of funds due from the computing system associated with the experience provider in real-time.

20. A non-transitory computer-readable media having computer-executable instructions embodied therein that, when executed by a server system, causes the server system to perform operations comprising:

providing, by an application programming interface (API), to a user device, a plurality of selectable representations of categories associated with an experience provider;

receiving, by the API from the user device, a user selection of a selectable representation of at least one category from the categories;

determining, by the API, one or more un-selected categories comprising a difference between the categories displayed by the experience provider and the user selection of the selectable representation of the at least one category;

prompting, by the API and using a real-time negotiation between the user device and a computing system associated with the experience provider, the user device to view at least one un-selected category displayed by the experience provider and contained in the one or more un-selected categories in exchange for compensation, wherein the real-time negotiation comprises:

querying, using at least one API call, the computing system identifying the one or more un-selected categories;

receiving an initial offer to view the at least one un-selected category in exchange for the compensation; and

prompting, using the at least one API call in response to receiving the initial offer, the user device to accept, deny, or counter the initial offer; and

receiving, by the API, a selection denoting at least one of an acceptance, a denial, or a counter to view the at least one category displayed by the experience provider and contained in the one or more un-selected categories.

Assignments (1)

Continuity (2)

References Cited (65)