Granted Patent B1

US 12,468,841 · App. 18/150,019 · Granted Nov 11, 2025

Inventors: Shawn Walker (Charlotte, NC); Kayli Wolford (Charlotte, NC); Emily Palmer Brown (Charlotte, NC); John Andrew Chuprevich (Davidson, NC); Matthew Wheeler (Charlotte, NC)

Assignee: Wells Fargo Bank, N.A.

G06F21/6245G06F16/258G06F2221/2115

Abstract

Claims (55)

1 . A computer-implemented method in which a smart coach computing system performs operations comprising:

receiving, by a trusted data management system (TDMS) from a third party system, a request for user data and a user identifier, the request being automatically triggered responsive to a user interaction accessing a website associated with the third party system, wherein the user identifier identifies a user and the user data is associated with the user;

identifying a type for the third party system by:

retrieving a list of terms associated with a data sharing schema; and

determining that a name of the third party system is associated with a term in the list of terms;

identifying, by the TDMS, the data sharing schema, wherein identifying the data sharing schema comprises determining that the data sharing schema is associated with the type, the data sharing schema defining:

a subset of data values of the user data; and

a respective defined format for transmitting each data value of the subset of data values of the user data;

retrieving, by the TDMS from a data storage unit, the subset of data values of the user data;

formatting, by the TDMS, each data value of the subset of data values in accordance with the respective defined format of the data value; and

transmitting, by the TDMS to the third party system, the subset of data values of the user data in accordance with the data sharing schema.

2 . The computer-implemented method of claim 1 , wherein formatting each data value of the subset of data values in accordance with the respective defined format of the data value comprises:

determining a stored format for each data value of the subset of data values; and

for each data value of the subset of data values in which the stored format does not correspond to the respective defined format, preprocessing the data value to convert the data value from the stored format to the respective defined format, wherein the transmitted subset of data values includes the preprocessed data value.

3 . The computer-implemented method of claim 1 , wherein the request further comprises a third party system identifier, wherein identifying the data sharing schema comprises determining that the data sharing schema is associated with the third party system identifier.

4 . The computer-implemented method of claim 1 , wherein the request includes a data sharing schema identifier, wherein identifying the data sharing schema comprises retrieving the data sharing schema associated with the data sharing schema identifier.

5 . The computer-implemented method of claim 1 , wherein identifying the data sharing schema comprises:

transmitting, to a user computing device associated with the user, a list including a set of data sharing schemas associated with the user identifier and a request to display the list and a request for a selection from the set of data sharing schemas; and

receiving from the user computing device, a selection of the data sharing schema from among the set of data sharing schemas.

6 . A non-transitory computer-readable medium having program code that is stored thereon executable by one or more processing devices for performing operations comprising:

receiving, from a third party system, a request for user data and a user identifier, the request being automatically triggered responsive to a user interaction accessing a website associated with the third party system, wherein the user identifier identifies a user and the user data is associated with the user;

identifying a type for the third party system by:

retrieving a list of terms associated with a data sharing schema; and

determining that a name of the third party system is associated with a term in the list of terms;

identifying the data sharing schema, wherein identifying the data sharing schema comprises determining that the data sharing schema is associated with the type, the data sharing schema defining;

a subset of data values of the user data; and

a respective defined format for transmitting each data value of the subset of data values of the user data;

retrieving, from a data storage unit, the subset of data values of the user data;

formatting each data value of the subset of data values in accordance with a respective defined format of the data value; and

transmitting, to the third party system, the subset of data values in accordance with the data sharing schema.

7 . The non-transitory computer-readable medium of claim 6 , wherein formatting each data value of the subset of data values in accordance with the respective defined format of the data value comprises:

determining a stored format for each data value of the subset of data values; and

for each data value of the subset of data values in which the stored format does not correspond to the respective defined format, preprocessing the data value to convert the data value from the stored format to the respective defined format, wherein the transmitted subset of data values includes the preprocessed data value.

8 . The non-transitory computer-readable medium of claim 6 , wherein the request further comprises a third party system identifier, wherein identifying the data sharing schema comprises determining that the data sharing schema is associated with the third party system identifier.

9 . The non-transitory computer-readable medium of claim 6 , wherein the request includes a data sharing schema identifier, wherein identifying the data sharing schema comprises retrieving the data sharing schema associated with the data sharing schema identifier.

10 . The non-transitory computer-readable medium of claim 6 , wherein identifying the data sharing schema comprises:

transmitting, to a user computing device associated with the user, a list including a set of data sharing schemas associated with the user identifier and a request to display the list and a request for a selection from the set of data sharing schemas; and

receiving from the user computing device, a selection of the data sharing schema from among the set of data sharing schemas.

11 . A system, comprising:

a non-transitory computer readable medium comprising computer-executable program instructions that, when executed by a processor, cause the system to perform operations comprising:

receiving, from a third party system, a request for user data and a user identifier, the request being automatically triggered responsive to a user interaction accessing a website associated with the third party system, wherein the user identifier identifies a user and the user data is associated with the user;

identifying a type for the third party system by:

retrieving a list of terms associated with a data sharing schema; and

determining that a name of the third party system is associated with a term in the list of terms;

identifying the data sharing schema, wherein identifying the data sharing schema comprises determining that the data sharing schema is associated with the type, the data sharing schema defining;

a subset of data values of the user data; and

a respective defined format for transmitting each data value of the subset of data values of the user data;

retrieving, from a data storage unit, the subset of data values;

formatting each data value of the subset of data values in accordance with a respective defined format of the data value; and

transmitting, to the third party system, the subset of data values in accordance with the data sharing schema.

12 . The system of claim 11 , wherein formatting each data value of the subset of data values in accordance with the respective defined format of the data value comprises:

determining a stored format for each data value of the subset of data values; and

for each data value of the subset of data values in which the stored format does not correspond to the respective defined format, preprocessing the data value to convert the data value from the stored format to the respective defined format, wherein the transmitted subset of data values includes the preprocessed data value.

13 . The system of claim 11 , wherein the request further comprises a third party system identifier, wherein identifying the data sharing schema comprises determining that the data sharing schema is associated with the third party system identifier.

14 . The system of claim 11 , wherein the request includes a data sharing schema identifier, wherein identifying the data sharing schema comprises retrieving the data sharing schema associated with the data sharing schema identifier.

Assignments (2)

References Cited (13)