Payment services via application programming interface

Patent metadata

Field	Value
Publication number	US-12572933-B2
Application number	US-202318386024-A
Country	US
Kind code	B2
Filing date	Nov 1, 2023
Priority date	Jan 15, 2015
Publication date	Mar 10, 2026
Grant date	Mar 10, 2026

Abstract

A method for providing an application programming interface (API) service that enables a third-party to provide screens that allow account holders to provide credentials to an institution while bypassing the third-party, comprising transmitting an API to a third-party device for integration into a website served by the third-party, the API configured to generate a portal that accepts the credentials without revealing the credentials to the third-party; receiving, via the API integrated into the third-party website, a request for verification of a user; instructing the API integrated into the third-party website to display a screen of the institution within a window through which transmissions can be received directly from the user without the third-party receiving the transmissions; receiving, directly from the user and through the window, user credentials input into the screen without revealing the input user credentials to the third-party; and verifying the user by confirming the user credentials.

First claim

What is claimed is:

1 . A method for providing services including an application programming interface (API) service that enables a third-party to provide screens that allow account holders to provide credentials to an institution while bypassing the third-party, the method comprising:
transmitting a login API to a third-party device for integration into a third-party website served by the third-party, the login API configured to generate, through the third-party website, a portal that accepts the credentials without revealing the credentials to the third-party; receiving, via the login API integrated into the third-party website, a request for verification of a user; instructing the login API integrated into the third-party website to display a screen of the institution within a window through which transmissions can be received directly from the user without the third-party receiving the transmissions; receiving, directly from the user and through the window, user credentials input into the screen without revealing the input user credentials to the third-party; and verifying the user by confirming the user credentials.

2 . The method of claim 1 , wherein the request for verification comprises an information request by the third-party requesting information concerning the user.

3 . The method of claim 2 , further comprising:
receiving a transmission comprising an approval from the user to provide the information concerning the user to the third-party.

4 . The method of claim 3 , further comprising:
transmitting, to the third-party, the requested information concerning the user.

5 . The method of claim 1 , further comprising:
identifying a user option associated with the user credentials; transmitting, to the user, account options including the user option associated with the user credentials; and receiving, from the user, a selection of a user account corresponding to the identified user option.

6 . The method of claim 5 , wherein the account options include a checking account with a financial institution or a credit card issued by the financial institution.

7 . The method of claim 1 , further comprising:
verifying that the third-party subscribes to the API service, wherein verifying that the third-party subscribes to the API service comprises cross-referencing third-party identification to a plurality of registered third-party identifications in a database.

8 . The method of claim 1 , wherein the login API is configured to generate a login portal that accepts login credentials through the third-party website without leaving the third-party website.

9 . The method of claim 1 , wherein the user credentials comprise at least one of a username and a passcode used by the user.

10 . A computing system that provides services including an application programming interface (API) service that enables a third-party to provide screens that allow account holders to provide credentials to the computing system directly while bypassing the third-party, the computing system comprising:
a memory; and one or more processors configured to:
transmit a login API to a third-party device, the login API configured to generate, through a third-party website, a portal that accepts the credentials without revealing the credentials to the third-party;
receive, via the login API integrated into the third-party website, a request for verification of a user;
instruct the login API integrated into the third-party website to display a screen of an institution in a window through which the computing system can receive transmissions directly from the user without the third-party receiving the transmissions;
receive, directly from the user through the window, user credentials input into the screen without revealing the input user credentials to the third-party; and
verifying the user based on the user credentials.

11 . The computing system of claim 10 , wherein the one or more processors are further configured to:
receive a transmission comprising approval from the user to provide information concerning the user to the third-party.

12 . The computing system of claim 10 , wherein the one or more processors are further configured to:
identify a user option associated with the user credentials; transmit account options to the user, wherein the account options include the identified user option and another option; and receive a selection of a user account corresponding to the identified user option.

13 . The computing system of claim 12 , wherein the account options include a checking account with a financial institution or a credit card issued by the financial institution.

14 . The computing system of claim 13 , wherein the financial institution is a first financial institution, and wherein the account options include an account at a second financial institution.

15 . The computing system of claim 10 , wherein the login API is configured to generate a login portal that accepts login credentials through the third-party website without leaving the third-party website, and wherein the one or more processors are further configured to:
cross-reference third-party identification with a plurality of registered third-party identifications to verify that the third-party subscribes to the API service provided.

16 . A non-transitory computer-readable media with computer- executable instructions embodied thereon that, when executed by one or more processors of a computing system, cause the computing system to perform operations, the operations comprising:
transmitting a login application programming interface (API) to a third-party for integration into a third-party website, the login API configured to generate, through the third- party website, a portal that accepts credentials without revealing the credentials to the third- party; receiving, via the login API integrated into the third-party website, a request for verification of a user; instructing the login API integrated into the third-party website to display a screen of an institution within a window through which transmissions can be received directly from the user without the third-party receiving the transmissions; receiving, directly from the user through the window, user credentials input into the screen without revealing the input user credentials to the third-party; and verifying the user by confirming the user credentials.

17 . The non-transitory computer-readable media of claim 16 , wherein the request for verification comprises an information request by the third-party requesting information concerning the user, and wherein the operations further comprise:
receiving an approval from the user to provide the information concerning the user to the third-party; and transmitting the requested information concerning the user to the third-party.

18 . The non-transitory computer-readable media of claim 16 , wherein the operations further comprise:
identifying a user option associated with the user credentials; transmitting to the user account options including the user option associated with the user credentials; and receiving from the user a selection of an account corresponding to an identified user payment option.

19 . The non-transitory computer-readable media of claim 18 , wherein the user account options include a checking account with a financial institution or a credit card issued by the financial institution.

20 . The non-transitory computer-readable media of claim 16 , wherein the login API is configured to ge

Assignees

• Wells Fargo Bank Na

Inventors

• Sahni Bipin M
• Stroke Nikolai

Classifications

• G06Q40/02

  Banking, e.g. interest calculation or account maintenance (credit or loans G06Q40/03) · CPC title

• G06Q20/102

  Bill distribution or payments · CPC title

• G06Q20/023

  the neutral party being a clearing house · CPC title

• G06Q20/206

  comprising security or operator identification provisions, e.g. password entry · CPC title

• G06Q20/204

  comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit · CPC title