US 11,755,707 B1
User information gathering and distribution system
Venu Andra, San Francisco, CA (US); Balinder Mangat, Castro Valley, CA (US); and Tabari D. Williams, San Francisco, CA (US)
Assigned to Wells Fargo Bank, N.A., San Francisco, CA (US)
Filed by Wells Fargo Bank, N.A., San Francisco, CA (US)
Filed on Oct. 23, 2020, as Appl. No. 17/79,095.
Application 17/079,095 is a continuation of application No. 15/385,035, filed on Dec. 20, 2016, granted, now 10,817,593.
Claims priority of provisional application 62/272,422, filed on Dec. 29, 2015.
This patent is subject to a terminal disclaimer.
Int. Cl. G06F 21/32 (2013.01); H04L 9/40 (2022.01)
CPC G06F 21/32 (2013.01) [H04L 63/083 (2013.01); H04L 63/0861 (2013.01); H04L 2463/082 (2013.01)] 17 Claims
OG exemplary drawing
 
1. A method of alerting a user of user information to be sent to an entity during a transaction, the method being performed by a user information service (UIS) computing system associated with an information service, the method comprising:
populating, by a UIS information circuit and an associated user information database, an account with user information received from at least one of the user and a plurality of entities;
receiving, by the UIS information circuit over a network via a network interface circuit, a user information request relating to the transaction from an entity computing system associated with the entity;
comparing, by a security circuit of the UIS information circuit, the user information request to a plurality of similar user information requests in a transaction type database, wherein the plurality of similar user information requests are for a same type of transaction as the electronic transaction, and wherein the transaction type database is adaptive, constantly updates user information requested for certain types of transactions, and learns what user information requests to compare based on a given transaction type of prior user information requests;
sending, by a security circuit of the UIS information circuit, an alert comprising an approval request to a user computing device associated with the user over the network, wherein the approval request contains an identification of the type of user information requested in the user information request without revealing the user information in the approval request, and wherein the identification of user information requested in the user information request is based on a type of the transaction;
receiving, by the security circuit, an approval of the approval request from the user computing device; and
providing, by the UIS information circuit and the user information database, the approved user information to the entity computing system to complete the transaction,
wherein the approval varies based on a level of security associated with a piece of user information by the security circuit, and wherein a type of user information with a higher level of security requires a secondary authorization from the user computing device.