US 12,147,953 B2
Third-party payment interfaces
Lila Fakhraie, Belmont, CA (US); Jo Anne Graham, San Francisco, CA (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 Sep. 11, 2023, as Appl. No. 18/244,601.
Application 18/244,601 is a continuation of application No. 17/403,423, filed on Aug. 16, 2021, granted, now 11,756,011.
Application 17/403,423 is a continuation of application No. 16/215,334, filed on Dec. 10, 2018, granted, now 11,093,912.
Application 16/215,334 is a continuation of application No. 16/214,469, filed on Dec. 10, 2018, granted, now 11,379,850.
Prior Publication US 2023/0419275 A1, Dec. 28, 2023
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/08 (2012.01); G06F 9/451 (2018.01); G06F 9/54 (2006.01); G06Q 20/40 (2012.01); G06Q 20/42 (2012.01); H04L 9/40 (2022.01); H04L 67/53 (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. An account administration system, comprising:
a network interface configured to communicate with an external computing system via application programming interface (API) calls; and
a processor and a memory having instructions that, when executed by the processor, cause the processor to:
generate a security token associated with a first user of a first computing device, the security token indicating that the external computing system is authorized to submit API calls to a service provider computing system, wherein the external computing system provides a third-party client application to the first computing device and to a second computing device of a second user;
transmit the security token to the external computing system using the network interface;
receive a submit-payment API call from the external computing system, the submit-payment API call from the external computing system including the security token and payment data, wherein the payment data is submitted for approval within an operating environment of the third-party client application;
determine that the security token corresponds to the first user and that the external computing system is authorized to submit API calls to the service provider computing system;
in response to determining that the security token corresponds to the first user and that the external computing system is authorized to submit API calls to the service provider computing system, initiate a secure session with the second computing device;
transmit, to the second computing device through the secure session, the payment data and a request for approval of a payment associated with the payment data; and
in response to an indication of approval of the request for approval of the payment associated with the payment data, initiate a funds transfer corresponding to the payment.