US 12,229,305 B2
Systems and methods for redacted statement delivery to third-party institutions
Dave Christopher Carey, Middletown, DE (US); Alwin M Thomas, Newark, DE (US); Seun Akinyosoye, West New York, NJ (US); Amit Pendse, New Albany, OH (US); Derek McCoy, Powell, OH (US); Gagandeep Dua, Milburn, NJ (US); Arthur De Lotto, Gillette, NJ (US); Kathy S Wong, New York, NY (US); Rajesh Swamy, New York, NY (US); and Ravneet Singh, Wood-Ridge, NJ (US)
Assigned to JPMORGAN CHASE BANK, N.A., New York, NY (US)
Filed by JPMORGAN CHASE BANK, N.A., New York, NY (US)
Filed on Oct. 29, 2021, as Appl. No. 17/514,980.
Prior Publication US 2023/0132634 A1, May 4, 2023
Int. Cl. H04L 9/00 (2022.01); G06F 21/62 (2013.01)
CPC G06F 21/6245 (2013.01) 12 Claims
OG exemplary drawing
 
1. A method for redacted statement delivery to third-party institutions, comprising:
receiving, at a statement engine computer program executed by a computer processor for a financial institution, a request for a statement from a third-party backend;
retrieving, by the statement engine computer program, a list comprising a plurality of available statements from the financial institution;
providing, by the statement engine computer program, the list of the plurality of available statements to the third-party backend;
receiving, by the statement engine computer program, a selection of one of the plurality of available statements from the third-party backend;
identifying, by the statement engine computer program, metadata for data fields in a statement template;
generating, by the statement engine computer program, the selected statement using the statement template and embedding the metadata in data fields of the selected statement, wherein the embedded metadata is not visible in the selected statement;
identifying, by a redaction engine computer program, a redaction reason;
identifying, by the redaction engine computer program, redaction metadata associated with the redaction reason;
generating, by the redaction engine, a redacted statement by redacting one or more data fields of the data fields in the selected statement having embedded metadata matching the redaction reason metadata;
storing, by the statement engine computer program, the redacted statement in a temporary store; and
returning, by the statement engine computer program, a path for the temporary store to the third-party backend, wherein the third-party backend is configured to retrieve the redacted statement from the temporary store.