US 11,995,619 B1
Account open interfaces
Jennifer J. Caceres, San Bruno, CA (US); Lila Fakhraie, Belmont, CA (US); Jennifer Greene, Novato, CA (US); Christopher J. Hirth, Bell Canyon, CA (US); Ashish B. Kurani, Hillsborough, CA (US); Andrea Renee Leighton, San Francisco, CA (US); Margot Lockwood-Stein, Palo Alto, CA (US); Kumaran Perumal, San Francisco, CA (US); Benjamin Soccorsy, Larkspur, CA (US); Ronald H. Yang, El Cerrito, CA (US); and Young M. Yang, 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 May 7, 2019, as Appl. No. 16/405,157.
Application 16/405,157 is a continuation in part of application No. 16/215,548, filed on Dec. 10, 2018, granted, now 11,106,515.
Claims priority of provisional application 62/668,632, filed on May 8, 2018.
Claims priority of provisional application 62/611,288, filed on Dec. 28, 2017.
Int. Cl. G06Q 20/10 (2012.01); G06F 9/54 (2006.01); G06Q 20/22 (2012.01)
CPC G06Q 20/10 (2013.01) [G06F 9/547 (2013.01); G06Q 20/223 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A method implemented by a system associated with a provider, the method comprising:
receiving, in response to an interaction with a first interactive element displayed via a third-party application of a third-party executing on a user computing device of a user, a request for account open functionality, the user having a third-party account with the third-party, the request comprising a first set of user data of the user stored in association with the third-party account;
generating one or more interface elements associated with the account open functionality, the account open functionality accessible to a third-party computing device of the third-party via a network, the one or more interface elements generated for presentation at the user computing device of the user via the third-party application associated with the third-party, at least a subset of the one or more interface elements generated to be pre-populated with the first set of user data associated with the user and received in the request;
providing, to the user computing device, the one or more interface elements for presentation via the third-party application, the one or more interface elements invoking an application programming interface (API) of the provider to access the account open functionality, wherein the first set of user data is displayed within the subset of the one or more interface elements;
receiving, via the one or more interface elements, an account open request comprising a second set of user data transmitted to the system from the third-party computing device over the network and a code generated by the third-party computing device, wherein the account open request is for a new account with the provider, wherein the second set of user data is received at the third-party computing device from the user computing device via the third-party application, and wherein at least a portion of the second set of user data is encoded by the user computing device and is incapable of being decoded by the third-party computing device, the code generated by the third-party computing device based on a format designated by the provider and encrypted by the third-party computing device according to an encryption format different from the format designated by the provider, the code comprising an identifier of the provider, an identifier of the third-party computing device, an identifier of a type of account to open, and an expiration time;
establishing, based on the first set of user data, the second set of user data, and the code, responsive to determining that the expiration time satisfies a predetermined time period, the new account at least in part by generating a set of account data associated with the new account without directing the user away from the third-party application; and
transmitting, via the one or more interface elements, the set of account data to the third-party computing device for use by the third-party computing device in a transaction involving the user computing device.