US 11,688,000 B1
Electronic disclosure delivery system and method
Erin Constantine, San Francisco, CA (US); Kimberly Robin Nelson, Mooresville, NC (US); and Bryan William Huisman, Eagan, MN (US)
Assigned to Wells Fargo Bank, N.A., San Francisco, CA (US)
Filed by Wells Fargo Bank, N.A., San Francisco, CA (US)
Filed on Apr. 11, 2022, as Appl. No. 17/718,051.
Application 17/718,051 is a continuation of application No. 16/188,591, filed on Nov. 13, 2018, granted, now 11,301,928.
Application 16/188,591 is a continuation of application No. 14/010,282, filed on Aug. 26, 2013, granted, now 10,163,153.
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 40/00 (2023.01)
CPC G06Q 40/00 (2013.01) 17 Claims
OG exemplary drawing
 
1. A financial institution computing system, configured to:
receive, via a computing device of a customer, a request to receive access to one or more disclosure documents associated with a financial account in electronic format, the request comprising a customer identifier and a type of financial account selected by the customer;
verify that the customer identifier corresponds to a retrievably stored customer identifier associated with the customer;
retrieve, from a database of required disclosure documents, the one or more disclosure documents;
send, to the computing device of the customer via a unique messaging address associated with the customer, an electronic consent request to receive the one or more disclosure documents in electronic format;
determine that consent to receive the one or more disclosure documents has been received from the customer based on receiving a response from the customer accepting the electronic consent request;
send, to the computing device of the customer, an electronic message comprising a hyperlink, wherein the hyperlink, when selected by the customer, is configured to transmit to the customer and display on the computing device of the customer the one or more disclosure documents;
access a customer database and identify a customer account associated with the customer identifier contained in the request to receive access to the one or more disclosure documents in electronic format;
in response to verifying that the request to receive access to the one or more disclosure documents in electronic format contains the customer identifier corresponding to the customer and identifying the customer account in the customer database that is associated with the customer identifier, create and store an audit trail in a memory location of the customer database associated with the customer account, wherein the audit trail includes a confirmation that the customer was provided access to the one or more disclosure documents;
store, in the audit trail, a first confirmation that the customer has consented to receive the one or more disclosure documents in electronic format; and
store, in the audit trail, a second confirmation that the customer has accessed the hyperlink via the computing device of the customer.