US 12,217,305 B1
Identity verification services through external entities via application programming interface
Bipin M. Sahni, Pleasanton, CA (US); and Nikolai Stroke, Gilbert, AZ (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. 17, 2022, as Appl. No. 17/967,745.
Application 17/967,745 is a continuation of application No. 17/306,630, filed on May 3, 2021, granted, now 11,475,514.
Application 17/306,630 is a continuation of application No. 14/597,344, filed on Jan. 15, 2015, granted, now 10,997,654.
Int. Cl. G06Q 40/02 (2023.01); G06Q 50/26 (2012.01)
CPC G06Q 40/02 (2013.01) [G06Q 50/265 (2013.01)] 17 Claims
OG exemplary drawing
 
1. A method, comprising:
providing, by a financial institution computing system, to a user device of a user, a website presenting a graphical user interface configured to receive information items to register with the financial institution computing system;
receiving, by the financial institution computing system, a request to register with the with the financial institution computing system from the user device in response to an interaction at the website, the request comprising a first information item and a second information item associated with the user;
updating, by the financial institution computing system, a database to include the first information item and the second information item in association with an identifier of the user;
receiving, by the financial institution computing system, from a third-party server, via an application programming interface (API) gateway, using a verification API provided to the third-party server, a verification API request comprising first unverified data and second unverified data, each of the first unverified data and the second unverified data provided to the third-party server from the user device, the verification API request indicating at least one rule specifying one or more scenarios for a validation decision;
scanning, by the financial institution computing system, the database to determine that the first information item and the second information item received from the user device prior to receiving the verification API request at least partially matches the first unverified data and the second unverified data, respectively;
retrieving, by the financial institution computing system, verification information from an external service provider responsive to determining that the first information item and the second information item at least partially matches the first unverified data and the second unverified data, the verification information comprising an indication of at least one discrepancy relating to the first information item or the second information item;
generating, by the financial institution computing system, the validation decision based on (i) an amount of the first unverified data or the second unverified data that matches the first information item and the second information item received from the user device, (ii) the verification information received from the external service provider, (iii) the at least one discrepancy, and (iv) the at least one rule specifying the one or more scenarios; and
transmitting, by the financial institution computing system to the third-party server, via the API gateway, the validation decision indicating whether information received in the verification API request has been verified.