US 11,989,774 B1
Systems and methods for providing digital trusted data
Clyde E. Cutting, San Francisco, CA (US); Keith W. Harris, San Francisco, CA (US); Erik Pilz, Palo Alto, CA (US); Wei Su, San Francisco, CA (US); and Eduardo DeLa Torre, Oakland, 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 Nov. 19, 2018, as Appl. No. 16/195,592.
Claims priority of provisional application 62/588,747, filed on Nov. 20, 2017.
Int. Cl. G06Q 40/03 (2023.01)
CPC G06Q 40/03 (2023.01) 14 Claims
OG exemplary drawing
 
1. A method, comprising:
determining, by a digital trusted data (DTD) computing system of a service provider, that an amount of time for a remote data source to provide data in response to a corresponding request exceeds a threshold;
upon determining that the amount of time for the remote data source to provide data exceeds the threshold, retrieving and storing, via a corresponding application programming interface (API), remote trusted data from the remote data source to improve response times for future data requests;
receiving, by an internal computing system of the service provider via a network, a request for an electronic form from a client software application executing on a client computing device of a client;
sending, by the internal computing system to the DTD computing system, a request for required data for the electronic form;
determining, by the DTD computing system, that a first portion of the required data for the electronic form is stored in the remote trusted data previously retrieved by the DTD computing system;
identifying, by the DTD computing system, a plurality of data sources from which to retrieve a remaining portion of the required data for the electronic form, the plurality of data sources corresponding to a plurality of services, each data source of the plurality of data sources associated with a respective reliability, the respective reliability of the data source determined based on historic data indicating accuracy of data retrieved from the data source, each of the plurality of services executed using a respective API call;
selecting, by the DTD computing system, a first trusted data source of the plurality of data sources based on the respective reliability of the first trusted data source being greater than the respective reliability of a second trusted data source of the plurality of data sources;
executing a first API call of the plurality of services to retrieve, by the DTD computing system, a first dataset from the first trusted data source of the plurality of data sources via a gateway computing device over the network to satisfy the request for the required data;
determining, by the DTD computing system, that a first value of the first dataset retrieved from the first trusted data source satisfies a threshold range of values, and that a second value of the required data is not included in the first dataset;
executing a second API call of the plurality of services to retrieve, by the DTD computing system, responsive to determining that the first value of the first dataset satisfies the threshold range and that the second value of the required data is not included in the first dataset, via the gateway computing device over the network, a second dataset from the second trusted data source of the plurality of data sources to satisfy the request for the required data, the second dataset including the second value;
determining, by the DTD computing system, that a contradiction exists between at least one value of the first dataset retrieved from the first trusted data source and at least one other value of the second dataset retrieved from the second trusted data source, the contradiction identified responsive to the at least one value of the first dataset not matching the at least one other value of the second dataset;
selecting, by the DTD computing system, responsive to determining that the contradiction exists, based on the respective reliability of the first trusted data source and the respective reliability of the second trusted data source, a third value of the first dataset and a fourth value of the second dataset to satisfy the request for the required data;
sending, by the DTD computing system, the first value, the second value, the third value, and the fourth value to the internal computing system to satisfy the request for the required data;
mapping, by the internal computing system, the first portion of the required data, the first value, and the second value to corresponding fields of the electronic form;
generating, by the internal computing system, the electronic form having the corresponding fields populated with the first portion of the required data, the first value, and the second value; and
providing, by the internal computing system, the electronic form including the first portion of the required data, the first value, and the second value to the client software application executing on the client computing device.