The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.

The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.

Date of Patent:
Nov. 19, 2024

Filed:

Sep. 11, 2023
Applicant:

Wells Fargo Bank, N.a., San Francisco, CA (US);

Inventors:

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);

Ravi K. Thota, San Francisco, CA (US);

Assignee:

Wells Fargo Bank, N.A., San Francisco, CA (US);

Attorney:
Primary Examiner:
Assistant Examiner:
Int. Cl.
CPC ...
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);
U.S. Cl.
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);
Abstract

Disclosed are example methods, systems, and devices for integrating payment API services provided by a service provider computing system with a client application. The client application running on a user device may allow a user to make payments and/or to submit payments for approval and may communicate payment information to a client computing system. If a payment is submitted for approval via the client application, the client computing system may make API calls to the service provider computing system to, for example, submit, view, and/or cancel payments. Payments may be approved by a second user using a second device. The service provider computing system initiates fund transfers for approved payments. Payments may be submitted within the operating environment of the client application without use of an application or website of the service provider.


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