US-12626011-B2 - Systems and methods for managing and securing sensitive electronic files

US12626011B2US 12626011 B2US12626011 B2US 12626011B2US-12626011-B2

Abstract

Systems, apparatuses, methods, and computer program products are disclosed for managing and securing sensitive electronic files. An example method includes obtaining, by interface circuitry, an electronic file associated with a third-party application. The method also includes determining, by a classification engine, a first classification of the electronic file. The method also includes, in an instance in which the first classification of the first electronic file corresponds to a first predefined classification, determining, by the classification engine, a second classification of the first electronic file, selecting, by an inbox allocation engine and based on the second classification of the electronic file, a first storage location associated with an electronic file inbox of a mobile banking application, and storing, by the inbox allocation engine, the electronic file in association with the first storage location.

Inventors

Blair Bijou
Carrie Anne HANSON
David Price
John Andrew Chuprevich

Assignees

WELLS FARGO BANK, N.A.

Dates

Publication Date: 20260512
Application Date: 20230928

Claims (20)

1 . A method comprising: obtaining, by interface circuitry, an electronic file associated with a third-party application; determining, by a classification engine, a first classification of the electronic file; determining, by the classification engine, a second classification of the electronic file; selecting, by an inbox allocation engine and based on the second classification of the electronic file, a first storage location associated with an electronic file inbox of a mobile banking application; and storing, by the inbox allocation engine, the electronic file in association with the first storage location.
2 . The method of claim 1 , further comprising: reconciling, by a transaction analysis engine, a line item transaction of the mobile banking application based on the electronic file.
3 . The method of claim 2 , wherein the electronic file comprises a purchase receipt.
4 . The method of claim 2 , wherein reconciling the line item transaction comprises: determining, by the transaction analysis engine, a match between a payment amount indicated by the line item transaction and a payment amount indicated by the electronic file; and causing display, by communications hardware, of an indication of a successful reconciliation of the line item transaction.
5 . The method of claim 4 , wherein causing display of the indication of the successful reconciliation of the line item transaction comprises: modifying, by a visualization engine, a visualization of the line item transaction within the mobile banking application.
6 . The method of claim 5 , wherein modifying the visualization of the line item transaction comprises at least one of: altering a color of the visualization of the line item transaction; and displaying a graphical icon representing the successful reconciliation of the line item transaction in the visualization of the line item transaction.
7 . The method of claim 1 , wherein determining the first classification of the electronic file comprises: identifying, by the classification engine, one or more keywords of a predefined keyword set that are present within the electronic file; and determining, by the classification engine, a confidence score for the electronic file based on the identified one or more keywords, wherein the first classification is determined based on the confidence score satisfying a first predefined threshold.
8 . The method of claim 1 , further comprising: generating, by an inbox communication engine, a barcode for the first storage location, wherein a scanning of the barcode by a scanning device facilitates a transmission of at least one electronic file to the first storage location for storage; receiving, by communications hardware, an indicia display request associated with the first storage location; and causing, by the communications hardware, presentation of the barcode for the first storage location via a display of a device.
9 . The method of claim 8 , wherein the barcode for the first storage location is a one-time-use barcode.
10 . The method of claim 1 , further comprising: receiving, by communications hardware and from a first device, an electronic file display request; requesting, by an authentication engine, authentication data from a user in response to the electronic file display request; validating, by the authentication engine, the authentication data; and in response to a successful validation of the authentication data: causing, by the communications hardware, display of the electronic file.
11 . The method of claim 1 , further comprising: receiving, by communications hardware and from a first device, location data indicating a current location of the first device; determining, by a context analysis engine, an event type associated with the current location of the first device; in an instance in which the event type corresponds to a predefined event type: causing, by the communications hardware, presentation of a notification at the first device, wherein the notification indicates at least one of: a relevance of the event type to the electronic file, and a relevance of the event type to a second electronic file not yet stored in association with the electronic file inbox of the mobile banking application.
12 . The method of claim 1 , further comprising: receiving, by communications hardware and from a first device, an electronic file export request comprising destination information; and causing transmission, by the communications hardware, of the electronic file to a second device associated with the destination information.
13 . An apparatus comprising: interface circuitry configured to obtain an electronic file associated with a third-party application; a classification engine configured to: determine a first classification of the electronic file, and determine a second classification of the first electronic file; and an inbox allocation engine configured to: select, based on the second classification of the electronic file, a first storage location associated with an electronic file inbox of a mobile banking application; and store the electronic file in association with the first storage location.
14 . The apparatus of claim 13 , further comprising: a transaction analysis engine configured to reconcile a line item transaction of the mobile banking application based on the electronic file.
15 . The apparatus of claim 14 , wherein the transaction analysis engine reconciles the line item transaction by determining a match between a payment amount indicated by the line item transaction and a payment amount indicated by the electronic file; and wherein the apparatus further comprises communications hardware configured to cause display of an indication of a successful reconciliation of the line item transaction.
16 . The apparatus of claim 15 , further comprising a visualization engine configured to modify a visualization of the line item transaction within the mobile banking application.
17 . The apparatus of claim 13 , further comprising an inbox communication engine configured to generate a barcode for the first storage location, wherein a scanning of the barcode by a scanning device facilitates a transmission of at least one electronic file to the first storage location for storage; and wherein the apparatus further comprises communications hardware configured to: receive an indicia display request associated with the first storage location, and cause presentation of the barcode for the first storage location via a display of a device.
18 . The apparatus of claim 17 , wherein the barcode for the first storage location is a one-time-use barcode.
19 . The apparatus of claim 13 , further comprising communications hardware configured to: receive, from a first device, location data indicating a current location of the first device; and wherein the apparatus further comprises a context analysis engine configured to: determine an event type associated with the current location of the first device, wherein the communications hardware is further configured to, in an instance in which the event type corresponds to a predefined event type: cause presentation of a notification at the first device, wherein the notification indicates at least one of: a relevance of the event type to the electronic file, and a relevance of the event type to a second electronic file not yet stored in association with the electronic file inbox of the mobile banking application.
20 . A computer program product comprising at least one non-transitory computer-readable storage medium storing software instructions that, when executed, cause an apparatus to: obtain an electronic file associated with a third-party application; determine a first classification of the electronic file; determine a second classification of the electronic file; select, based on the second classification of the electronic file, a first storage location associated with an electronic file inbox of a mobile banking application; and store the electronic file in association with the first storage location.

Description

BACKGROUND Individuals receive numerous files (both physical and digital) from various entities, such as banks, government agencies, merchants, and the like, a large portion of which may include sensitive data (e.g., personally identifiable information, financial information, etc.). BRIEF SUMMARY Managing sensitive or otherwise important files (e.g., electronic documents and their physical counterparts) presents challenges for an individual due to the diverse sources from which these files originate and the necessity to access them through various applications, each of which may demand separate user accounts. Further, an individual may utilize numerous storage platforms (e.g., cloud storage platforms, virtual drives, physical hard disk drives, paper filing systems, etc.), as well as numerous devices (e.g., laptops, desktop computers, mobile phones, tablets, etc.), each of which may have its own means of storage. A challenge stems from these realities of modern life in that the fragmentation of information across disparate platforms makes it difficult to establish a coherent system for organization and retrieval of important files. As files (e.g., financial documents, such as financial statements, receipts, invoices, tax forms, and the like) may originate from email attachments, cloud storage services, standalone software applications, and the like, users are compelled to navigate a complex web of logins, application installations, and interfaces. This not only strains cognitive and computational resources but also presents security concerns, because individuals must keep track of multiple username and password combinations, often resorting to insecure practices (e.g., reusing credentials). Consequently, maintaining the confidentiality and availability of these files becomes a substantial challenge, underscoring the need for more streamlined and secure methods of electronic file management across a digital landscape characterized by increasing complexity. Further, in the context of financial documents, it may not always be clear to an individual as to the importance of saving any particular financial document. For instance, an individual may not think twice about saving a receipt associated with a charitable donation, even though that receipt may be utilized for tax purposes in the future. Even if the individual does remember to store the receipt when it is received, at tax season the individual may not recall that the receipt was stored or which storage platform holds the receipt. To provide a solution for the issues discussed above, example embodiments described herein leverage the security and infrastructure of a mobile banking application to provide an electronic file inbox subsystem within the mobile banking application that serves as a central storage source for sensitive electronic files, such as financial documents and the like. In various embodiments, an electronic file management (EFM) system may automatically connect to and communicate with a plurality of remote data sources (e.g., external, third-party platforms) in order to automatically import electronic files stored on or otherwise managed by the remote data sources to the EFM system, such that the imported electronic files may be accessed by a user securely through the EFM system via, e.g., a mobile banking application installed on the user's personal device. In various embodiments, the EFM system may first classify an electronic file in order to determine whether to import or store the electronic file to the EFM system. For example, in some embodiments, only financially-related electronic files may be stored to the EFM system. In other embodiments, however, any electronic files associated with a particular user may be stored to the EFM system such that the electronic files are made accessible to the user via their mobile banking application. In various embodiments, the EFM system may also automatically configure the electronic file inbox in order to organize the electronic file inbox based on classifications of electronic files imported to the EFM system and in a manner that makes logical sense to a user. For instance, the EFM system, in some embodiments, may automatically (e.g., without user intervention) generate inboxes for specific classifications of electronic files. As one example, an inbox may be automatically generated to store tax-related documents (e.g., W-2 forms), while another inbox may be automatically generated to store healthcare-related documents (e.g., hospital bills). In addition to storing electronic files, in some embodiments, the EFM system may also automatically reconcile line item transactions (e.g., of the mobile banking application) based on electronic files stored by the EFM system. For instance, purchase information indicated by purchase receipts, invoices, or similar electronic files may be compared to line item transactions indicated by the mobile banking application in order to confirm matching amounts. The EFM