Wells Fargo Bank, N.a.

Early Warning Services, LLC

Clearxchange, LLC

Brian Michael Pearce

Benjamin Soccorsy

Steven Pulido

Mojdeh Tomsich

Lila Fakhraie

James Stahley

Steven E Puffer

Peter Ho

Ashish Bhoopen Kurani

Stephanie S Hellman

Dorothy M Scocci

Michelle B Techel

Timothy R Edge

Brenda L Yost

Kathy Barris Dideum

Cheryl Lynn Wong

Khyati Soparkar

James D Crowell

Kristine Ing Kushner

Paul Vittimberga

Jennifer A Fisher

Nikolai Stroke

Young M Yang

Miranda C Hill

Alan W Hecht

Ann M Kirk

Adam E Vancini

Sri Saravana Muthu

Javier S Silva

Kevin Bouey

Marria Rhodriquez

Chris Theodore Kalaboukis

John T Wright

Dominik Vltavsky

Traci H Nguyen

Michael H Chang

John Andrew Chuprevich

Suzanne M Fisi

Daniel Sanford

Timothy R Knowlton

Dana Roytenberg

Abraham Drucker

Khushbu Katariya

Shelby K Morita-Fowler

Kourtney Eidam

Laura Marie Fontana

Muhammad Farukh Munir

Katherine Anne Zagone

Sivesh Thangarajah

Christin Chan

Wairnola Marria Rhodriquez

Nicholas Edwardsen

Chad A Hanson

Systems, methods, and apparatuses for providing a central location to manage permissions provided to third-parties and devices to access and use user data and to manage accounts at multiple entities. A central portal may allow a user to manage all access to account data and personal information as well as usability and functionality of accounts. The user need not log into multiple third-party systems or customer devices to manage previously provided access to the information, provision new access to the information, and to manage financial or other accounts. A user is able to have user data and third-party accounts of the user deleted from devices, applications, and third-party systems via a central portal. The user is able to impose restrictions on how user data is used by devices, applications, and third-party systems, and control such features as recurring payments and use of rewards, via a central portal.

Control tower for unlinking applications from accounts

A system and method for card control includes a card control computing system configured to enforce a card control rule based upon transactions made with a payment card. The card control computing system includes a memory unit configured to store information associated with a card control dashboard, and a processing unit configured to cause presentation of the card control dashboard via a display associated with a remote computing device, such that the card control dashboard is associated with the payment card and the card control rule. The card control dashboard includes a user interface. The processing unit is further configured to receive an input via the user interface to activate or deactivate one or more features associated with the card control rule, and trigger the card control rule based upon the one or more features that are activated or deactivated.

System and method for card control

Systems, methods, and apparatuses for providing a customer a central location to manage permissions provided to third-parties and devices to access and use customer information maintained by a financial institution are described. The central location serves as a central portal where a customer of the financial institution can manage all access to account information and personal information stored at the financial institution. Accordingly, the customer does not need to log into each individual third-party system or customer device to manage previously provided access to the customer information or to provision new access to the customer information.

Data control tower

Scrubbing account data accessed via links to applications or devices

A method is disclosed that includes: receiving, by an identity provider computing system, a user token and user device information from a third-party provider, whereby the user token is associated with a user of the identity provider computing system and the user device information is associated with a user device of the user; identifying, by the identity provider computing system, related user activity based on the user device information; and authenticating, by the identity provider computing system, the user based on the user token and the related user activity indicating that the user used the user device in another authenticated transaction within a past predefined time period.

Systems and methods for third party token based authentication

Control tower for defining access permissions based on data type

A computer-implemented method includes generating a token associated with a user-level profile, receiving via a computing system a transaction message associated with a transaction where the transaction message includes a first data portion and a second data portion and where the token is part of at least one of the first data portion or the second data portion, obtaining via a network the token from the received transaction message, validating the token responsive to receiving a validation confirmation from a service provider, and transmitting an identity verification to the computing system responsive to validating the token.

User-level token for user authentication via a user device

Systems, methods, and apparatuses for providing a customer a central location to manage permissions provided to third-parties and devices to access and use customer information maintained by a financial institution are described. The central location serves as a central portal where a customer of the financial institution can manage all access to account information and personal information stored at the financial institution. Accordingly, the customer does not need to log into each individual third-party system or customer device to manage previously provided access to the customer information or to provision new access to the customer information. A user additionally is able to have user data and third-party accounts of the user deleted from devices, applications, and third-party systems via a central portal. Restrictions on how user data is used by devices, applications, and third-party systems can be imposed via a central portal.

Control tower for prospective transactions

Unlinking applications from accounts

Systems, methods, and apparatuses for providing a customer a central location to manage permissions provided to third-parties and devices to access and use customer information maintained by a financial institution are described. The central location serves as a central portal where a customer of the financial institution can manage all access to account information and personal information stored at the financial institution. Accordingly, the customer does not need to log into each individual third-party system or customer device to manage previously provided access to the customer information or to provision new access to the customer information. A user additionally is able to have user data and third-party accounts of the user deleted from devices, applications, and third-party systems via a central portal.

Access control interface for managing entities and permissions

Control tower for linking accounts to applications

Growing community of inventors

Pleasanton, CA, United States of America

Brian Michael Pearce