Digital account management having aggregated account display
AssigneeTruist Bank
InventorsKristen Martin, Candice Roberts, Erin Nash, Jennifer Herring
Life of this patent
Estimating the term…
Abstract
The present disclosure relates to technology for aggregating a plurality of internal user account data and external user account data for visual display on a user interface (UI) of a client device, and facilitating transactions (e.g., fund transfers, bill payment) between internal user accounts and external user accounts.
Claims20
An enterprise server computing system, comprising:
- a host enterprise mobile application engine having one or more processors and a non-transitory memory coupled to the one or more processors, the non-transitory memory including a set of executable instructions of computer-executable program code, which when executed by the one or more processors, cause the one or more processors to perform operations including:
- capturing client device authentication credentials from an authenticated client device of a user,
- accessing, as a proxy for the authenticated client device using the captured client device authentication credentials, third-party enterprise mobile applications or third-party enterprise web applications,
- transmitting an application programming interface (API) call to a third-party enterprise servers to extract external user account data from the third-party enterprise mobile application or the third-party enterprise web application, the API call including an identify token, the external user account data associated with one or more external user accounts maintained by one or more third-party enterprises,
- aggregating the external user account data with internal user account data associated with one or more internal user accounts maintained by the enterprise as aggregated data, and
- generating an adaptive graphical user interface (GUI) on a user interface (UI) of the authenticated client device to display the aggregated data.
A computer program product comprising at least one non-transitory computer readable medium having with a set of executable instructions of computer-executable program code, which when executed by one or more processors of a server computing system, causes the server computing system to perform operations including:
- capturing client device authentication credentials from an authenticated client device of a user;
- accessing, as a proxy for the authenticated client device using the captured client device authentication credentials, a third-party enterprise mobile application or third-party enterprise web application;
- transmitting an application programming interface (API) call to a third-party enterprise servers to extract external user account data from the third-party enterprise mobile application or the third-party enterprise web application, the API call including an identify token, the external user account data associated with one or more external user accounts maintained by one or more third-party enterprises;
- aggregating the external user account data with internal user account data associated with one or more internal user accounts maintained by the enterprise as aggregated data;
- and
- generating an adaptive graphical user interface (GUI) on a user interface (UI) of the authenticated client device to display the aggregated data.
A method implemented by a server computing system, the method comprising:
- capturing client device authentication credentials from an authenticated client device of a user;
- accessing, as a proxy for the authenticated client device using the captured client device authentication credentials, a third-party enterprise mobile application or third-party enterprise web application;
- transmitting an application programming interface (API) call to a third-party enterprise servers to extract external user account data from the third-party enterprise mobile application or the third-party enterprise web application, the API call including an identify token, the external user account data associated with one or more external user accounts maintained by one or more third-party enterprises;
- aggregating the external user account data with internal user account data associated with one or more internal user accounts maintained by the enterprise as aggregated data;
- and
- generating an adaptive graphical user interface (GUI) on a user interface (UI) of the authenticated client device to display the aggregated data.
Dependencies are inferred from the claim text.