Granted Patent B1

US 12,711,485 · App. 18/078,825 · Granted Aug 18, 2026

Inventors: Sandra Nudelman (New York, NY); Debashis Ghosh (San Francisco, CA); Mike Weinbach (San Francisco, CA)

Assignee: Wells Fargo Bank, N.A.

G06Q20/227G06Q20/0855G06Q20/14

Abstract

Claims (74)

1 . A computer-implemented method comprising:

receiving, by a provider computing system associated with a provider, a customer request from a customer device of a customer to perform an action associated with a new account to be opened or an existing account held by the provider, the customer request including customer information regarding the customer;

in response to receiving the customer request including the customer information:

transmitting, by the provider computing system, a transfer service query requesting transfer service information regarding the customer to a transfer service computing system, the transfer service query including the customer information of the customer and a query code, the query code configured to be recognized by the transfer service computing system as being part of the transfer service query instead of a transfer service request for a transfer of resources via a transfer service provided by the transfer service computing system, the query code configured to trigger an automatic search by the transfer service computing system for transfer service tokens of the customer based on the customer information;

receiving, by the provider computing system, a notification from the transfer service computing system indicating that a transfer service token of the customer is linked to a third-party customer account held by a third-party provider, the transfer service token comprising an identifier linked to the third-party customer account that is configured to enable transfers using the third-party customer account via the transfer service provided by the transfer service computing system;

in response to receiving the notification indicating that the transfer service token is linked to the third-party customer account from the transfer service computing system:

generating, by the provider computing system, a graphical user interface including a selectable option, the selectable option, when selected by the customer, being configured to switch the transfer service token from being linked to the third-party customer account held by the third-party provider to being linked to a customer account held by the provider associated with the provider computing system; and

transmitting, by the provider computing system, the graphical user interface to the customer device associated with the customer;

receiving, by the provider computing system, a selection of the selectable option via the graphical user interface from the customer device; and

in response to receiving the selection of the selectable option, transmitting, by the provider computing system, a transfer service token switch request to the transfer service computing system, the transfer service token switch request initiating a switch of the transfer service token from being linked to the third-party customer account held by the third-party provider to being linked to the customer account held by the provider; and

performing, by the provider computing system, the action requested by the customer.

2 . The computer-implemented method of claim 1 , wherein the third-party customer account is further linked to a billing service account associated with a billing service computing system configured to facilitate an automatic bill payment from the customer to one or more third parties, the selectable option is further configured to switch the billing service account from being linked to the third-party customer account to being linked to the customer account held by the provider, and the computer-implemented method further comprises:

in response to receiving the selection of the selectable option, transmitting, by the provider computing system, a billing service account switch request to the billing service computing system, the billing service account switch request initiating a switch of the billing service account from being linked to the third-party customer account to being linked to the customer account held by the provider.

3 . The computer-implemented method of claim 2 , wherein the selectable option is further configured to notify a third party that future payments from the customer to the third party should be pulled from the customer account held by the provider, and the computer-implemented method further comprises:

in response to receiving the selection of the selectable option, transmitting, by the provider computing system, a notification to the third party indicating that the future payments from the customer to the third party should be pulled from the customer account held by the provider.

4 . The computer-implemented method of claim 3 , further comprising identifying, by the provider computing system, a recurring payment from the third-party customer account to the third party, and wherein transmitting the notification to the third party is performed based on the recurring payment.

5 . The computer-implemented method of claim 4 , wherein identifying the recurring payment from the third-party customer account to the third party comprises:

transmitting, by the provider computing system, a financial data request to a financial data management computing system;

receiving, by the provider computing system, transaction data associated with the third-party customer account; and

identifying, by the provider computing system, the recurring payment based on the transaction data associated with the third-party customer account.

6 . The computer-implemented method of claim 3 , further comprising:

generating, by the provider computing system, an account switch report including an indication of at least one of the transfer service token being successfully switched from being linked to the third-party customer account to being linked to the customer account held by the provider, the billing service account being successfully switched from being linked to the third-party customer account to being linked to the customer account held by the provider, or the third party being successfully notified that the future payments from the customer to the third party should be pulled from the customer account held by the provider; and

transmitting, by the provider computing system, the account switch report to the customer device.

7 . The computer-implemented method of claim 1 , wherein the customer information comprises

one of a phone number of the customer or an e-mail address of the customer, and

wherein the transfer service query includes the one of the phone number or the e-mail address.

8 . A provider computing system associated with a provider, the provider computing system comprising:

one or more processing circuits including one or more processors coupled to one or more memory devices, the one or more memory devices having instructions stored thereon that, when executed by the one or more processors, cause the one or more processors to:

receive a customer request from a customer device of a customer to perform an action associated with a new account to be opened or an existing account held by the provider, the customer request including customer information regarding the customer;

in response to receiving the customer request including the customer information:

transmit a transfer service query requesting transfer service information regarding the customer to a transfer service computing system, the transfer service query including the customer information of the customer and a query code, the query code configured to be recognized by the transfer service computing system as being part of the transfer service query instead of a transfer service request for a transfer of resources via a transfer service provided by the transfer service computing system, the query code configured to trigger an automatic search by the transfer service computing system for transfer service tokens of the customer based on the customer information;

receive a notification from the transfer service computing system indicating that a transfer service token of the customer is linked to a third-party customer account held by a third-party provider, the transfer service token comprising an identifier linked to the third-party customer account that is configured to enable transfers using the third-party customer account via the transfer service provided by the transfer service computing system;

in response to receiving the notification indicating that the transfer service token is linked to the third-party customer account from the transfer service computing system:

generate a graphical user interface including a selectable option, the selectable option, when selected by the customer, being configured to switch the transfer service token from being linked to the third-party customer account held by the third-party provider to being linked to a customer account held by the provider associated with the provider computing system; and

transmit the graphical user interface to the customer device of the customer;

receive a selection of the selectable option via the graphical user interface from the customer device; and

in response to receiving the selection of the selectable option, transmit a transfer service token switch request to the transfer service computing system, the transfer service token switch request initiating a switch of the transfer service token from being linked to the third-party customer account to being linked to the customer account held by the provider; and

perform the action requested by the customer.

9 . The provider computing system of claim 8 , wherein the third-party customer account is further linked to a billing service account associated with a billing service computing system configured to facilitate an automatic bill payment from the customer to one or more third parties, the selectable option is further configured to switch the billing service account from being linked to the third-party customer account to being linked to the customer account held by the provider, and the instructions, when executed by the one or more processors, further cause the one or more processors to:

in response to receiving the selection of the selectable option, transmit a billing service account switch request to the billing service computing system, the billing service account switch request initiating a switch of the billing service account from being linked to the third-party customer account to being linked to the customer account held by the provider.

10 . The provider computing system of claim 9 , wherein the selectable option is further configured to notify a third party that future payments from the customer to the third party should be pulled from the customer account held by the provider, and the instructions, when executed by the one or more processors, further cause the one or more processors to:

in response to receiving the selection of the selectable option, transmit a notification to the third party indicating that the future payments from the customer to the third party should be pulled from the customer account held by the provider.

11 . The provider computing system of claim 10 , wherein the instructions, when executed by the one or more processors, further cause the one or more processors to identify a recurring payment from the third-party customer account to the third party, and wherein transmitting the notification to the third party is performed based on the recurring payment.

12 . The provider computing system of claim 11 , wherein identifying the recurring payment from the third-party customer account to the third party comprises:

transmitting a financial data request to a financial data management computing system;

receiving transaction data associated with the third-party customer account; and

identifying the recurring payment based on the transaction data associated with the third-party customer account.

13 . The provider computing system of claim 10 , wherein the instructions, when executed by the one or more processors, further cause the one or more processors to:

generate an account switch report including an indication of at least one of the transfer service token being successfully switched from being linked to the third-party customer account to being linked to the customer account held by the provider, the billing service account being successfully switched from being linked to the third-party customer account to being linked to the customer account held by the provider, or the third party being successfully notified that the future payments from the customer to the third party should be pulled from the customer account held by the provider; and

transmit the account switch report to the customer device.

14 . The provider computing system of claim 8 , wherein the customer information comprises

one of a phone number of the customer or an e-mail address of the customer, and

wherein the transfer service query includes the one of the phone number or the e-mail address.

15 . A non-transitory computer-readable medium having instructions stored thereon that, when executed by at least one processing circuit of a provider computing system associated with a provider, cause operations comprising:

receiving, by a provider computing system associated with a provider, a customer request from a customer device of a customer to perform an action associated with a new account to be opened or an existing account held by the provider, the customer request including customer information regarding the customer;

in response to receiving the customer request including the customer information:

transmitting a transfer service query requesting transfer service information regarding the customer to a transfer service computing system, the transfer service query including the customer information of the customer and a query code, the query code configured to be recognized by the transfer service computing system as being part of the transfer service query instead of a transfer service request for a transfer of resources via a transfer service provided by the transfer service computing system, the query code configured to trigger an automatic search by the transfer service computing system for transfer service tokens of the customer based on the customer information;

receiving a notification from the transfer service computing system indicating that a transfer service token of the customer is linked to a third-party customer account held by a third-party provider, the transfer service token comprising an identifier linked to the third-party customer account that is configured to enable transfers using the third-party customer account via the transfer service provided by the transfer service computing system;

in response to receiving the notification indicating that the transfer service token is linked to the third-party customer account from the transfer service computing system:

generating a graphical user interface including a selectable option, the selectable option, when selected by the customer, being configured to switch the transfer service token from being linked to the third-party customer account held by the third-party provider to being linked to a customer account held by the provider associated with the provider computing system; and

transmitting the graphical user interface to the customer device of the customer;

receiving a selection of the selectable option via the graphical user interface from the customer device; and

in response to receiving the selection of the selectable option, transmitting a transfer service token switch request to the transfer service computing system, the transfer service token switch request initiating a switch of the transfer service token from being linked to the third-party customer account to being linked to the customer account held by the provider; and

performing the action requested by the customer.

16 . The non-transitory computer-readable medium of claim 15 , wherein the third-party customer account is further linked to a billing service account of a billing service computing system configured to facilitate an automatic bill payment from the customer to one or more third parties, the selectable option is further configured to switch the billing service account from being linked to the third-party customer account to being linked to the customer account held by the provider, and the instructions, when executed by the at least one processing circuit, further cause operations comprising:

in response to receiving the selection of the selectable option, transmitting a billing service account switch request to the billing service computing system, the billing service account switch request initiating a switch of the billing service account from being linked to the third-party customer account to being linked to the customer account held by the provider.

17 . The non-transitory computer-readable medium of claim 16 , wherein the selectable option is further configured to notify a third party that future payments from the customer to the third party should be pulled from the customer account held by the provider, and the instructions, when executed by the at least one processing circuit, further cause operations comprising:

in response to receiving the selection of the selectable option, transmitting a notification to the third party indicating that the future payments from the customer to the third party should be pulled from the customer account held by the provider.

18 . The non-transitory computer-readable medium of claim 17 , wherein the instructions, when executed by the at least one processing circuit, further cause operations comprising identifying a recurring payment from the third-party customer account to the third party, and wherein transmitting the notification to the third party is performed based on the recurring payment.

19 . The non-transitory computer-readable medium of claim 18 , wherein identifying the recurring payment from the third-party customer account to the third party comprises:

transmitting a financial data request to a financial data management computing system;

receiving transaction data associated with the third-party customer account; and

identifying the recurring payment based on the transaction data associated with the third-party customer account.

20 . The non-transitory computer-readable medium of claim 15 , wherein the selectable option, when selected by the customer, is configured to switch the transfer service token from being linked to the third-party customer account held by the third-party provider to being linked to a customer account held by the provider associated with the provider computing system without additional input from the customer.

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