US 11,935,020 B1
Control tower for prospective transactions
Lila Fakhraie, Belmont, CA (US); Brian M. Pearce, Pleasanton, CA (US); Steven Pulido, San Francisco, CA (US); Benjamin Soccorsy, Larkspur, CA (US); James Stahley, San Francisco, CA (US); and Mojdeh Tomsich, Piedmont, 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 Apr. 12, 2019, as Appl. No. 16/383,388.
Application 16/383,388 is a continuation in part of application No. 16/215,558, filed on Dec. 10, 2018, granted, now 11,409,902.
Application 16/215,558 is a continuation of application No. 16/204,831, filed on Nov. 29, 2018, granted, now 11,386,223.
Application 16/204,831 is a continuation in part of application No. 15/723,078, filed on Oct. 2, 2017, granted, now 10,992,679.
Application 15/723,078 is a continuation in part of application No. 15/629,423, filed on Jun. 21, 2017, granted, now 11,615,402.
Claims priority of provisional application 62/766,400, filed on Oct. 16, 2018.
Claims priority of provisional application 62/529,360, filed on Jul. 6, 2017.
Claims priority of provisional application 62/403,396, filed on Oct. 3, 2016.
Claims priority of provisional application 62/357,737, filed on Jul. 1, 2016.
Int. Cl. G06F 21/62 (2013.01); G06Q 20/10 (2012.01); G06Q 20/14 (2012.01); H04L 9/40 (2022.01); G06F 16/215 (2019.01)
CPC G06Q 20/14 (2013.01) [G06F 21/6245 (2013.01); G06Q 20/102 (2013.01); H04L 63/10 (2013.01); G06F 16/215 (2019.01); G06F 21/6263 (2013.01)] 18 Claims
OG exemplary drawing
 
1. A method comprising:
presenting, by a central portal comprising one or more processors coupled to memory, one or more graphical interfaces allowing a user to disable, via a user device, selected financial accounts for identified entities such that payments from the selected financial accounts will be declined for the identified entities;
presenting, by the central portal, to the user a first graphical interface of the one or more graphical interfaces to the user via the user device, the first graphical interface comprising a recurring payments list that includes a first selectable icon corresponding to a first entity, and a second selectable icon corresponding to a second entity, wherein the first graphical interface identifies a financial account used to make recurring payments to the first and second entities;
accepting, by the central portal, from the user device, a first indication that the first entity has been selected by the user via one of the first selectable icon;
responsive to accepting the first indication, transitioning, by the central portal, to the user, via presentation of the first graphical interface to a second graphical interface accessed on of the one or more graphical interfaces via the user device, the second graphical interface comprising a listing of recent transactions made using the financial account to the first entity and a selectable element for managing recurring payments to the first entity;
responsive to an interaction with the selectable element at the user device, transitioning, by the central portal, presentation of the second graphical interface to a third graphical interface of the one or more graphical interfaces via the user device, the third graphical interface comprising a selectable option to stop one or more subsequent recurring payments to the first entity;
accepting, by the central portal, from the user device, a second indication that the selectable option to stop subsequent recurring payments has been selected by the user;
presenting, by the central portal, to the user device, via a fourth graphical interface accessed on the user device, a hide-payee selector configured to allow the user to select the first entity to be hidden from the recurring payments list;
accepting, by the central portal, from the user device, a third indication that the hide-payee selector has been selected on the user device to hide the first entity from the recurring payments list;
modifying, by the central portal, the recurring payments list to hide the first entity from the recurring payments list;
presenting, by the central portal, a duration selector configured to allow the user to identify a duration during which subsequent recurring payment requests from the selected one of the first and second entities will be declined;
accepting, by the central portal, the duration during which subsequent recurring payment requests from the selected one of the first and second entities will be declined;
transmitting, by the central portal, an application programming interface (API) call via an API to the selected one of the first and second entities, the API call identifying the financial account and the duration during which subsequent recurring payment requests from the selected one of the first and second entities will be declined, wherein declining the subsequent recurring payment request is for the duration and subsequent to transmitting the API call; and
declining, by the central portal, a subsequent recurring payment request received from an entity device corresponding to the first entity subsequent to acceptance of the second indication.