US 12,339,999 B1
Systems and methods for personal information and preference storage, permissioning, and sharing
Chintan Mehta, San Ramon, CA (US); and Jason Strle, 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 10, 2021, as Appl. No. 17/316,369.
This patent is subject to a terminal disclaimer.
Int. Cl. G06F 21/62 (2013.01); G06N 5/02 (2023.01); G06Q 20/24 (2012.01)
CPC G06F 21/6263 (2013.01) [G06N 5/02 (2013.01); G06Q 20/24 (2013.01)] 23 Claims
OG exemplary drawing
 
1. A system comprising:
a data management circuit configured to web-scrape websites of a plurality of experience providers and transmit API requests requesting data corpuses of a plurality of users of the plurality of experience providers;
a user data repository containing data from the web-scrape or the API requests relating to the plurality of users of the plurality of experience providers;
a rules engine configured to apply rules according to a plurality of data sharing preferences of a user;
a first application programming interface (API) configured to:
provide, via a graphical user interface on a user device, a plurality of selectable interaction points associated with configuring the plurality of data sharing preferences;
receive, from the user device associated with the user, user inputs that identify at least one experience provider and at least one data sharing preference of the plurality of data sharing preferences of the user, wherein the user inputs are received in response to selections of the plurality of selectable interaction points; and
configure the rules engine with rules based on the user inputs, wherein the rules comprise a set of logic, wherein the set of logic, based on the user inputs, executes at least one of a modulation or truncation of a first data subset of the data of the user;
a second API configured to:
receive, from a computing system associated with the experience provider, a request for a second data subset of the data of the user, wherein the second data subset of the data comprises at least the first data subset of the data;
transmit the request to the rules engine, wherein the rules engine modulates or truncates the second data subset based on retrieving applicable data of the user from the user data repository, wherein the applicable data of the user is based on the request for the second data subset of the data of the user and the at least one data sharing preference of the user;
receive, from the rules engine, the applicable data of the user; and
provide, to the computing system associated with the experience provider, the applicable data of the user; and
a payments engine configured to:
determine, in real-time after the applicable data of the user is provided using the second API, an amount of funds received from the experience provider and due to the user based on the second API providing the applicable data of the user to the computing system associated with the experience provider; and
credit, paid from the experience provider, an account associated with the user in the amount of the funds due to the user;
wherein the first API facilitates communication between the user device and the system, and wherein the second API facilitates communication between the computing system associated with the experience provider and the system.