“Systems And Methods For Redacted Statement Delivery To Third-Party Institutions” in Patent Application Approval Process (USPTO 20230132634): Patent Application

2023 MAY 23 (NewsRx) -- By a News Reporter-Staff News Editor at Insurance Daily News -- A patent application by the inventors AKINYOSOYE, Seun (West New York, NJ, US); CAREY, Dave Christopher (Middletown, DE, US); DE LOTTO, Arthur (Gillette, NJ, US); DUA, Gagandeep (Milburn, NJ, US); MCCOY, Derek (Powell, OH, US); PENDSE, Amit (New Albany, OH, US); SINGH, Ravneet (Wood-Ridge, NJ, US); SWAMY, Rajesh (New York, NY, US); THOMAS, Alwin M (Newark, DE, US); WONG, Kathy S (New York, NY, US), filed on October 29, 2021, was made available online on May 4, 2023, according to news reporting originating from Washington, D.C., by NewsRx correspondents.

This patent application has not been assigned to a company or institution.

The following quote was obtained by the news editors from the background information supplied by the inventors: “

“Embodiments relate generally to systems and methods for redacted statement delivery to third-party institutions.

“Statements from institutions, such as financial institutions, often include personal information. Third parties, such as aggregators, want the information, such as transaction data, in a statement, but should not have access to any unnecessary personal information.”

In addition to the background information obtained for this patent application, NewsRx journalists also obtained the inventors’ summary information for this patent application: “Systems and methods for redacted statement delivery to third-party institutions are disclosed. According to one embodiment, a method for redacted statement delivery to third-party institutions may include: (1) receiving, at a statement engine computer program executed by a computer processor, a request for a statement from a third-party backend; (2) retrieving, by the statement engine computer program, a list comprising a plurality of available statements; (3) providing, by the statement engine computer program, the list of the plurality of available statements to the third-party backend; (4) retrieving, by the statement engine computer program, a selection of one of the plurality of available statements; (5) identifying, by the statement engine computer program, metadata for data fields in a statement template; (6) generating, by the statement engine computer program, the selected statement using the statement template and embedding the metadata in data fields of the statement; (7) identifying, by a redaction engine computer program, a redaction reason; (8) identifying, by the redaction engine computer program, redaction metadata associated with the redaction reason; (9) redacting, by the redaction engine, data fields in the statement having metadata matching the redaction reason metadata; (10) storing, by the statement engine computer program, the redacted statement in a temporary store; and (11) 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.

“In one embodiment, the method may further include requesting, by the statement engine computer program, authorization to provide the list of the plurality of available statements to the third-party backend and/or authorization to make the redacted statement available to the third-party backend.

“In one embodiment, the redaction reason may include a payment card industry compliance or a personal identifiable information compliance.

“In one embodiment, the redaction reason is based on a type of third-party backend.

“In one embodiment, the statement engine computer program validates a connection from the third-party backend before making the redacted statement available to the third-party backend.

“In one embodiment, the method may further include deleting, by the statement engine computer program, the redacted statements from the temporary store.

“According to another embodiment, a method for redacted statement delivery to third-party institutions may include: (1) receiving, at a statement engine computer program executed by a computer processor, a request for a statement from a third-party backend; (2) retrieving, by the statement engine computer program, a list comprising a plurality of available statements; (3) providing, by the statement engine computer program, the list of the plurality of available statements to the third-party backend; (4) retrieving, by the statement engine computer program, a selection of one of the plurality of available statements; (5) identifying, by the statement engine computer program, a plurality of data fields in a statement template to redact; (6) requesting, by the statement engine computer program, data for data fields other than the data fields to redact; (7) generating, by the statement engine computer program, the selected statement using the statement template and the retrieved data for the data fields other than the data fields to redact; (8) storing, by the statement engine computer program, the redacted statement in a temporary store; and (9) returning, by the statement engine computer program, a path for the temporary store to the third-party backend, wherein the third-party backend may be configured to retrieve the redacted statement from the temporary store.

“In one embodiment, the method may further include requesting, by the statement engine computer program, authorization to provide the list of the plurality of available statements to the third-party backend and/or authorization to make the redacted statement available to the third-party backend.

“In one embodiment, the data fields to redact may include Payment Card Industry data, personal identifiable information, and/or Health Insurance Portability and Accountability Act data.

“In one embodiment, the statement engine computer program may validate a connection from the third-party backend before making the redacted statement available to the third-party backend.

“In one embodiment, the method may further include deleting, by the statement engine computer program, the redacted statements from the temporary store.

“According to another embodiment, an electronic device may include a memory storing a statement engine computer program and a redaction engine computer program and a computer processor. When executed by the computer processor, the statement engine computer program and/or the redaction engine computer program may cause the computer processor to: receive a request for a statement from a third-party backend; retrieve a list comprising a plurality of available statements; provide the list of the plurality of available statements to the third-party backend; retrieve a selection of one of the plurality of available statements; identify metadata for data fields in a statement template; generate the selected statement using the statement template and embedding the metadata in data fields of the statement; identify a redaction reason; identify redaction metadata associated with the redaction reason; redact data fields in the statement having metadata matching the redaction reason metadata; store the redacted statement in a temporary store; and return a path for the temporary store to the third-party backend, wherein the third-party backend may be configured to retrieve the redacted statement from the temporary store.

“In one embodiment, the statement engine computer program may also cause the computer processor to request authorization to provide the list of the plurality of available statements to the third-party backend and/or authorization to make the redacted statement available to the third-party backend.

“In one embodiment, the redaction reason may include a payment card industry compliance or a personal identifiable information compliance.

“In one embodiment, the redaction reason may be based on a type of third-party backend.

“In one embodiment, the statement engine computer program may validate a connection from the third-party backend before making the redacted statement available to the third-party backend.

“In one embodiment, the statement engine computer program may also cause the computer processor to delete the redacted statements from the temporary store.”

The claims supplied by the inventors are:

“1. A method for redacted statement delivery to third-party institutions, comprising: receiving, at a statement engine computer program executed by a computer processor, 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; providing, by the statement engine computer program, the list of the plurality of available statements to the third-party backend; retrieving, by the statement engine computer program, a selection of one of the plurality of available statements; 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 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; redacting, by the redaction engine, data fields in the statement having 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.

“2. The method of claim 1, further comprising: requesting, by the statement engine computer program, authorization to provide the list of the plurality of available statements to the third-party backend and/or authorization to make the redacted statement available to the third-party backend.

“3. The method of claim 1, wherein the redaction reason comprises a payment card industry compliance or a personal identifiable information compliance.

“4. The method of claim 1, wherein the redaction reason is based on a type of third-party backend.

“5. The method of claim 1, wherein the statement engine computer program validates a connection from the third-party backend before making the redacted statement available to the third-party backend.

“6. The method of claim 1, further comprising: deleting, by the statement engine computer program, the redacted statements from the temporary store.

“7. A method for redacted statement delivery to third-party institutions, comprising: receiving, at a statement engine computer program executed by a computer processor, 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; providing, by the statement engine computer program, the list of the plurality of available statements to the third-party backend; retrieving, by the statement engine computer program, a selection of one of the plurality of available statements; identifying, by the statement engine computer program, a plurality of data fields in a statement template to redact; requesting, by the statement engine computer program, data for data fields other than the data fields to redact; generating, by the statement engine computer program, the selected statement using the statement template and the retrieved data for the data fields other than the data fields to redact; 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.

“8. The method of claim 7, further comprising: requesting, by the statement engine computer program, authorization to provide the list of the plurality of available statements to the third-party backend and/or authorization to make the redacted statement available to the third-party backend.

“9. The method of claim 7, wherein the data fields to redact comprise Payment Card Industry data, personal identifiable information, and/or Health Insurance Portability and Accountability Act data.

“10. The method of claim 7, wherein the statement engine computer program validates a connection from the third-party backend before making the redacted statement available to the third-party backend.

“11. The method of claim 7, further comprising: deleting, by the statement engine computer program, the redacted statements from the temporary store.

“12. An electronic device, comprising: a memory storing a statement engine computer program and a redaction engine computer program; and a computer processor; wherein, when executed by the computer processor, the statement engine computer program and/or the redaction engine computer program causes the computer processor to: receive a request for a statement from a third-party backend; retrieve a list comprising a plurality of available statements; provide the list of the plurality of available statements to the third-party backend; retrieve a selection of one of the plurality of available statements; identify metadata for data fields in a statement template; generate the selected statement using the statement template and embedding the metadata in data fields of the statement; identify a redaction reason; identify redaction metadata associated with the redaction reason; redact data fields in the statement having metadata matching the redaction reason metadata; store the redacted statement in a temporary store; and return 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.

“13. The electronic device of claim 12, wherein the statement engine computer program further causes the computer processor to request authorization to provide the list of the plurality of available statements to the third-party backend and/or authorization to make the redacted statement available to the third-party backend.

“14. The electronic device of claim 12, wherein the redaction reason comprises a payment card industry compliance or a personal identifiable information compliance.

“15. The electronic device of claim 12, wherein the redaction reason is based on a type of third-party backend.

“16. The electronic device of claim 12, wherein the statement engine computer program validates a connection from the third-party backend before making the redacted statement available to the third-party backend.

“17. The electronic device of claim 12, wherein the statement engine computer program further causes the computer processor to delete the redacted statements from the temporary store.”

URL and more information on this patent application, see: AKINYOSOYE, Seun; CAREY, Dave Christopher; DE LOTTO, Arthur; DUA, Gagandeep; MCCOY, Derek; PENDSE, Amit; SINGH, Ravneet; SWAMY, Rajesh; THOMAS, Alwin M; WONG, Kathy S. Systems And Methods For Redacted Statement Delivery To Third-Party Institutions. U.S. Patent Application Number 20230132634, filed October 29, 2021 and posted May 4, 2023. Patent URL (for desktop use only): https://ppubs.uspto.gov/pubwebapp/external.html?q=(20230132634)&db=US-PGPUB&type=ids

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