US 11,797,956 B1
Third-party payment interfaces
Lila Fakhraie, Belmont, CA (US); Jo Anne Graham, Charlotte, NC (US); Andrea Renee Leighton, San Francisco, CA (US); Peter L. Shen, Castro Valley, CA (US); and Ravi K. Thota, 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 Jul. 1, 2022, as Appl. No. 17/856,316.
Application 17/856,316 is a continuation of application No. 16/214,469, filed on Dec. 10, 2018, granted, now 11,379,850.
Int. Cl. G06Q 20/08 (2012.01); G06F 9/54 (2006.01); G06Q 20/40 (2012.01); G06F 9/451 (2018.01); H04L 67/53 (2022.01); G06Q 20/42 (2012.01); H04L 9/40 (2022.01); H04W 84/04 (2009.01)
CPC G06Q 20/0855 (2013.01) [G06F 9/451 (2018.02); G06F 9/547 (2013.01); G06Q 20/40 (2013.01); G06Q 20/42 (2013.01); H04L 63/0853 (2013.01); H04L 67/53 (2022.05); H04W 84/042 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A computing device comprising:
a network interface configured to communicate data with a client computing system via a telecommunications network;
one or more user interfaces configured to receive inputs and visually present graphical user interfaces (GUIs); and
a processor and a memory having stored thereon a client application that is provided by the client computing system, the client application configured to present a visually-perceptible active link that allows a user to access at least one of a plurality of APIs from within the client application to initiate API calls to and from an external service provider computing system, the client application configured to cause the processor to:
present, via the one or more user interfaces, the GUI requesting information on the set of one or more payments to be processed by an external service provider computing system;
accept from a first user, via the one or more user interfaces, the requested information on the set of payments;
present, via the one or more user interfaces, the visually-perceptible active link that is activatable using the one or more user interfaces to submit the set of payments for approval via the computing device or a second computing device;
receive a signal from the one or more user interfaces indicating activation of the link;
in response to receiving the signal, transmit, via the network interface, a first command to the client computing system commanding the client computing system to make a submit-payment application programming interface (API) call to the external service provider computing system and to accompany the submit-payment API call with a security token that:
(i) is generated by and received from the external service provider computer system;
(ii) is associated with the client computing system and at least one of the first user or a second user who is registered with the external service provider computing system as having payment approval rights;
(iii) identifies the client computing system and indicates that the client computing system is authorized to submit API calls to the external service provider computing system via an API gateway; and
(iv) includes login credentials used by the at least one of the first user or the second user to enable the external service provider computing system to process the set of payments, wherein:
the client application is configured to cause the client computing system to make the submit-payment API call without interacting with an operating environment of an application or website of the external service provider computing system that processes the payments, and
the submit-payment API call causes the set of payments to be made available for approval, via the computing device or the second computing device, by a user who is registered with the external service provider computing system as having payment approval rights;
present, via the one or more user interfaces, a visually-perceptible display element indicating that the set of payments has been submitted for approval; and
present, via the one or more user interfaces, a second visually-perceptible display element indicating that the set of payments has been approved.