# US 12,182,853 B1 · Systems and methods for and operation of a digital marketplace add-in

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- Number: US 12,182,853 B1
- Document ID: US12182853B1
- Status: Granted
- Kind: B1
- Application number: 17/552,235
- Filed: 2021-12-15
- Granted: 2024-12-31
- Earliest claimed: 2021-12-15
- Assignees: Wells Fargo Bank, N.A.
- Applicants: Wells Fargo Bank, N.A.
- Inventors: Imran Haider; Andrew-An Truong Luu; Kumaran Perumal; Chad Ironside
- Web page: https://patentgrep.com/patent/US12182853B1

## CPC

- G06Q 30/0641: {utilising user interfaces specially adapted for shopping}
- G06F 21/6245: {Protecting personal data, e.g. for financial or medical purposes}
- G06Q 20/02: involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
- G06Q 20/102: {Bill distribution or payments}
- G06Q 20/12: specially adapted for electronic shopping systems
- G06Q 20/4014: {Identity check for transactions}
- G06Q 20/4016: {involving fraud or risk level assessment in transaction processing}
- G06Q 30/0201: Market modelling; Market analysis; Collecting market data
- G06Q 30/0601: Electronic shopping [e-shopping]
- G06Q 40/03: Credit; Loans; Processing thereof
- G06Q 2220/00: Business processing using cryptography
- G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06F: ELECTRIC DIGITAL DATA PROCESSING (computer systems based on specific computational models G06N)

## Abstract

Systems, methods, and computer-readable storage media for a digital marketplace add-in. One method includes receiving an entity dataset includes marketplace design preferences that define styling and designs of an online marketplace provided by a marketplace computing system, and generating and presenting, on a user device, a first application user interface based on the marketplace design preferences, the first application user interface including a plurality of interactive elements associated with payment information of a user. The method further includes receiving a preference in response to a selection of a first interactive element of the plurality of interactive elements, and receiving, from the marketplace computing system, transaction information regarding a transaction. The method further includes identifying the user based on correlating the transaction information to the user, retrieving the preference based on identifying the user, and automatically routing, a resource to the user based on the retrieved preference.

## Claims

### Claim 1

A system, comprising:
a data protection computing system comprising at least one processing circuit having at least one processor coupled to at least one memory, the at least one processing circuit configured to:
receive an entity dataset comprising marketplace design preferences that define styling and designs of an online marketplace provided by a marketplace computing system, wherein the marketplace design preferences comprise styling information comprising one or more frameworks for styling a plurality of interactive elements;
generate and present, on a user device of a seller on the online marketplace, a first application user interface based on the marketplace design preferences, the first application user interface comprising the plurality of interactive elements associated with payment information of the seller, wherein the first application user interface is imported into a native application or a webpage provided by the marketplace computing system;
receive a preference in response to a selection of a first interactive element of the plurality of interactive elements, wherein the at least one processing circuit and the user device exchange information comprising the preference utilizing a first application programming interface (API) that restricts access to the user device of the seller by the marketplace computing system;
receive, from the marketplace computing system, transaction information regarding a transaction, wherein the at least one processing circuit and the marketplace computing system exchange information comprising the transaction information and the marketplace design preferences utilizing a second API;
identify the seller based on correlating the transaction information to the seller;
retrieve the preference based on identifying the seller; and
automatically route a resource to the seller based on the retrieved preference.

### Claim 2 (depends on 1)

The data protection system of claim 1, wherein the first application user interface is provided by the data protection system, and wherein the first application user interface is a component import of the native application or webpage hosted by the marketplace computing system.

### Claim 3 (depends on 2)

The data protection system of claim 2, wherein the component import includes a software development kit.

### Claim 4 (depends on 2)

The data protection system of claim 2, wherein the at least one processing circuit is further configured to:
establish a connection between the least one processing circuit and the user device, and wherein the first application user interface depicts at least one of payment card industry (PCI) data, banking data, or personal identifiable information (PII).

### Claim 5 (depends on 1)

The data protection system of claim 1, wherein the at least one processing circuit is further configured to:
determine a response based on the entity dataset; and
determine a lending rate for an amount of funds based on the determined response.

### Claim 6 (depends on 5)

The data protection system of claim 5, wherein the at least one processing circuit is further configured to:
update, on the user device, the first application user interface to include a second interactive element associated with an offer comprising the lending rate for the amount of funds.

### Claim 7 (depends on 1)

The data protection system of claim 1, wherein the at least one processing circuit is further configured to:
determine a fee on the transaction;
deduct the fee from a payment of the transaction; and
store the fee in an account of the seller in a data protection database.

### Claim 8 (depends on 1)

The data protection system of claim 1, wherein the at least one processing circuit is further configured to:
receive, from the user device, an activation condition, wherein the first application user interface is presented in response to receiving the activation condition;
receive, from the user device, a user identifier and a credential;
register the seller with the data protection system, wherein registering comprising generating a profile for the seller comprising the preference, the user identifier, the credential, and the activation condition; and
store the profile in a data protection database.

### Claim 9 (depends on 1)

The data protection system of claim 1, wherein the styling information further comprises one or more libraries for styling the plurality of interactive elements, and wherein the at least one processing circuit is further configured to:
in response to receiving the preference, store, in a data protection database, the preference;
update the styling information to include the preference, wherein the updated styling information comprises an offer associated with a payment method; and
generate and configure the first application user interface based on the one or more libraries or the one or more frameworks.

### Claim 10 (depends on 1)

The data protection system of claim 1, wherein the at least one processing circuit is further configured to:
generate user analytics based on historical response information of the seller; and
present, on the user device, the user analytics.

### Claim 11

A computer-implemented method for a digital marketplace add-in, the method comprising:
receiving, by one or more processing circuits, an entity dataset comprising marketplace design preferences that define styling and designs of an online marketplace provided by a marketplace computing system, wherein the marketplace design preferences comprise styling information comprising one or more frameworks for styling a plurality of interactive elements;
generating and presenting, by the one or more processing circuits on a user device of a seller on the online marketplace, a first application user interface based on the marketplace design preferences, the first application user interface comprising the plurality of interactive elements associated with payment information of the seller, wherein the first application user interface is imported into a native application or a webpage provided by the marketplace computing system;
receiving, by the one or more processing circuits, a preference in response to a selection of a first interactive element of the plurality of interactive elements, wherein the one or more processing circuits and the user device exchange information comprising the preference utilizing a first application programming interface (API) that restricts access to the user device of the seller by the marketplace computing system;
receiving, by the one or more processing circuits from the marketplace computing system, transaction information regarding a transaction, wherein the one or more processing circuits and the marketplace computing system exchange information comprising the transaction information and the marketplace design preferences utilizing a second API;
identifying, by the one or more processing circuits, the seller based on correlating the transaction information to the seller;
retrieving, by the one or more processing circuits, the preference based on identifying the seller; and
automatically routing, by the one or more processing circuits, a resource to the seller based on the retrieved preference.

### Claim 12 (depends on 11)

The computer-implemented method of claim 11, wherein the first application user interface is provided by the one or more processing circuits, and wherein the first application user interface is a component import of the native application or native webpage hosted by the marketplace computing system.

### Claim 13 (depends on 12)

The computer-implemented method of claim 12, further comprising:
establishing, by the one or more processing circuits, a connection between the one or more processing circuits and the user device, and wherein the first application user interface depicts at least one of payment card industry (PCI) data, banking data, or personal identifiable information (PII).

### Claim 14 (depends on 11)

The computer-implemented method of claim 11, wherein the styling information further comprises one or more libraries for styling the plurality of interactive elements.

### Claim 15 (depends on 14)

The computer-implemented method of claim 14, further comprising:
in response to receiving the preference, storing, by the one or more processing circuits in a data protection database, the preference; and
updating, by the one or more processing circuits, the styling information to include the preference, wherein the updated styling information comprises an offer associated with a payment method.

### Claim 16

One or more non-transitory computer-readable storage media having instructions stored thereon that, when executed by at least one processing circuit, cause the at least one processing circuit to:
receive an entity dataset comprising marketplace design preferences that define styling and designs of an online marketplace provided by a marketplace computing system, wherein the marketplace design preferences comprise styling information comprising one or more frameworks for styling a plurality of interactive elements;
generate and present, on a user device of a seller on the online marketplace, a first application user interface based on the marketplace design preferences, the first application user interface comprising the plurality of interactive elements associated with payment information of the seller, wherein the first application user interface is imported into a native application or a webpage provided by the marketplace computing system;
receive a preference in response to a selection of a first interactive element of the plurality of interactive elements, wherein the at least one processing circuit and the user device exchange information comprising the preference utilizing a first application programming interface (API) that restricts access to the user device of the seller by the marketplace computing system;
receive, from the marketplace computing system, an indication of a transaction, wherein the at least one processing circuit and the marketplace computing system exchange information comprising transaction information and the marketplace design preferences utilizing a second API;
identify the seller based on correlating the transaction information to the seller;
retrieve the preference based on identifying the seller; and
automatically route a resource to the seller based on the retrieved preference.

### Claim 17 (depends on 16)

The one or more non-transitory computer-readable storage media of claim 16, wherein the first application user interface is provided by the at least one processing circuit, and wherein the first application user interface is a component import of the native application or the webpage hosted by the marketplace computing system.

### Claim 18 (depends on 17)

The one or more non-transitory computer-readable storage media of claim 17, having additional instructions stored thereon that, when executed by the at least one processing circuit, cause the at least one processing circuit to:
establish a connection between the at least one processing circuit and the user device, and wherein the first application user interface depicts at least one of payment card industry (PCI) data, banking data, or personal identifiable information (PII).