US 12,130,937 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 Jun. 28, 2019, as Appl. No. 16/457,257.
Application 16/457,257 is a continuation in part of application No. 16/383,388, filed on Apr. 12, 2019, granted, now 11,935,020.
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); G06F 16/215 (2019.01); H04L 9/40 (2022.01)
CPC G06F 21/6245 (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:
providing, by one or more processors coupled to memory, a portal comprising a plurality of graphical interfaces allowing a user to modify, via a user device, timing of automated payments from one or more financial accounts to a plurality of recipients, wherein providing the portal comprises:
presenting, in a first graphical interface of the plurality of graphical interfaces, a listing of the plurality of recipients receiving automated payments from a first financial account of the one or more financial accounts, each of the plurality of recipients corresponding to a respective interactive element of the first graphical interface;
accepting, via the first graphical interface of the plurality of graphical interfaces, a first selection of the respective interactive element corresponding to a first recipient in the listing of the plurality of recipients receiving automated payments from the first financial account of the one or more financial accounts;
responsive to accepting the first selection, transitioning from the first graphical interface to a second graphical interface of the plurality of graphical interfaces corresponding to the first recipient, the second graphical interface indicating a first automated payment from the first financial account to the first recipient and a listing of historic payments from the first financial account to the first recipient;
responsive to accepting an additional selection of a graphical element of the second graphical interface, transitioning from the second graphical interface to a third graphical interface the plurality of graphical interfaces, the third graphical interface comprising a selector menu including a plurality of selectable time periods for which a plurality of previously scheduled automated payments from the first financial account to the first recipient is to be restricted, the plurality of previously scheduled automated payments including the first automated payment;
accepting, via the selector menu presented in the third graphical interface displayed at the user device, a second selection of a first time period of the plurality of selectable time periods to during which performance of the plurality of previously scheduled automated payments from the first financial account to the first recipient is to be restricted; and
generating, by the one or more processors, an application programming interface (API) call identifying the first financial account and the first time period during which performance of the plurality of previously scheduled automated payments is to be restricted, the API call comprising a security token authenticating the portal;
transmitting, by the one or more processors, the API call to a first financial institution to restrict performance of the plurality of previously scheduled automated payments including the first automated payment during the first time period; and
transitioning, by the one or more processors, to a fourth graphical interface of the plurality of graphical interfaces, the fourth graphical interface presenting the first time period of selected via the third graphical interface during which performance of the plurality of previously scheduled automated payments are restricted.