Patent ID: 11868977
Assignee: WELLS FARGO BANK, N.A.
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 9:
10. A computing system associated with an institution that provides subscription application programming interface (API) services including a login API service that enables third-party websites to provide login screens that allow account holders to provide the computing system login credentials directly while bypassing the third-party websites, the computing system comprising:
a network interface configured to communicate with third-party devices of third-parties and user devices of users across a computer network;
an account database storing information relating to a plurality of accounts maintained by the institution;
an identity database storing verified personal information relating to a plurality of users;
a memory; and
one or more processors configured to:
subscribe a third-party for the login API service of the institution and transmit a login API to a third-party device of the third-party, the login API configured to generate, through a third-party website, a login portal that accepts login credentials without revealing the login credentials to the third-party;
receive, by an API gateway, via the login API integrated into the third-party website served by the third-party device to a user device associated with a user accessing the third-party website, a request for verification of the user and a third-party identification;
verify that the third-party subscribes to the login API service provided by the computing system based on the third-party identification;
instruct the login API integrated into the third-party website to display on the user device, within the third-party website served by the third-party device, a login screen of the institution in a window or in an embedded pane through which the computing system can receive transmissions directly from the user device without the third-party device receiving the transmissions;
receive, directly from the user device through the window or through the embedded pane, user login credentials input into the login screen displayed on the user device within the window or within the embedded pane without revealing the input user login credentials to the third-party; and
validate the user based on the user login credentials.