US-20260127314-A1 - SYSTEMS AND METHODS FOR SECURE INFORMATION STORAGE AND SHARING

US20260127314A1US 20260127314 A1US20260127314 A1US 20260127314A1US-20260127314-A1

Abstract

A system for authorizing sharing of content comprises a processing circuit to receive user content of a user based on the availability of the user content prior to an enrollment of the user where the user content includes a first content item, storing the user content, receiving newly provided content comprising a second content item, determining that the second content item is duplicative of the first content item, removing either the first content item or the second content item, receive a content share request from a third-party for user content, and authorize the third-party to receive user content retained by the one or more processing circuits, wherein the authorization comprises a limitation on the retained user content.

Inventors

Alan W. Hecht
Javier S. Silva

Assignees

WELLS FARGO BANK, N.A.

Dates

Publication Date: 20260507
Application Date: 20251009

Claims (20)

1 . A computer-implemented method for authorizing the sharing of content, the computer-implemented method comprising: receiving, by one or more processing circuits, user content of the user based on the availability of the user content of the user prior to an enrollment of the user, the user content comprising a first content item; storing, by the one or more processing circuits, the user content of the user; receiving, by the one or more processing circuits, newly provided content of the user, wherein the newly provided content comprises a second content item; determining, by the one or more processing circuits, that the second content item is duplicative of the first content item; removing, by the one or more processing circuits, either the first content item or the second content item; receiving, by the one or more processing circuits, a content share request from a third-party for user content; and authorizing, by the one or more processing circuits, the third-party to receive user content retained by the one or more processing circuits, wherein the authorization comprises a limitation on the retained user content.
2 . The computer-implemented method of claim 1 , further comprising: providing, by the one or more processing circuits, user content to the third-party.
3 . The computer-implemented method of claim 2 , wherein the limitation on the user content provided to the third-party is a time-limited limitation for a set period of time.
4 . The computer-implemented method of claim 2 , wherein the limitation on the user content provided to the third-party is for a one-time use of the user content.
5 . The computer-implemented method of claim 1 , wherein receiving the user content of the user comprises receiving an initial import of user content from an account holder database.
6 . The computer-implemented method of claim 1 , further comprising: receiving, by the one or more processing circuits, user content from at least one of a first user device associated with the user, a second user device associated with another user, or from a third-party device associated with an employer of the user.
7 . The computer-implemented method of claim 1 , wherein the content share request from the third-party comprises a request for access to a group of files in a folder.
8 . A system for authorizing the sharing of content, the system comprising: one or more processing circuits configured to: receive user content of the user based on the availability of the user content of the user prior to an enrollment of the user, the user content comprising a first content item; receive newly provided content of the user, wherein the newly provided content comprises a second content item; determine that the second content item is duplicative of the first content item; remove either the first content item or the second content item; receive a content share request from a third-party for user content; and authorize the third-party to receive user content retained by the one or more processing circuits, wherein the authorization comprises a limitation on the retained user content.
9 . The system of claim 8 , the one or more processing circuits further configured to: provide the user content to the third-party.
10 . The system of claim 9 , wherein the limitation on the user content provided to the third-party is a time-limited limitation for a set period of time.
11 . The system of claim 9 , wherein the limitation on the user content provided to the third-party is for a one-time use of the user content.
12 . The system of claim 8 ,wherein receiving the user content of the user comprises receiving an initial import of user content from an account holder database.
13 . The system of claim 8 , the one or more processing circuits further configured to: receive user content from at least one of a first user device associated with the user, a second user device associated with another user, or from a third-party device associated with an employer of the user.
14 . The system of claim 8 , wherein the content share request from the third-party comprises a request for access to a group of files in a folder.
15 . A non-transitory computer-readable media having computer-executable instructions embodied therein that, when executed by one or more processing circuits, causes the one or more processing circuits to: receive user content of the user based on the availability of the user content of the user prior to an enrollment of the user, the user content comprising a first content item; receive newly provided content of the user, wherein the newly provided content comprises a second content item; determine that the second content item is duplicative of the first content item; remove either the first content item or the second content item; receive a content share request from a third-party for user content; and authorize the third-party to receive user content retained by the one or more processing circuits, wherein the authorization comprises a limitation on the retained user content.
16 . The non-transitory computer-readable media of claim 15 , the computer-executable instructions, when executed by the one or more processing circuits, further causes the one or more processing circuits to: provide the user content to the third-party.
17 . The non-transitory computer-readable media of claim 16 , wherein the limitation on the user content provided to the third-party is a time-limited limitation for a set period of time.
18 . The non-transitory computer-readable media of claim 16 , wherein the limitation on the user content provided to the third-party is for a one-time use of the user content.
19 . The non-transitory computer-readable media of claim 15 , wherein receiving the user content of the user comprises receiving an initial import of user content from an account holder database.
20 . The non-transitory computer-readable media of claim 15 , the computer-executable instructions, when executed by the one or more processing circuits, further causes the one or more processing circuits to: receive user content from at least one of a first user device associated with the user, a second user device associated with another user, or from a third-party device associated with an employer of the user.

Description

CROSS-REFERENCE TO RELATED APPLICATIONS This application is a continuation of U.S. Patent Application No. 17/953,059, filed September 26, 2022, which is a continuation of U.S. Patent Application No. 16/900,090, filed June 12, 2020, which is a continuation of U.S. Patent Application No. 15/042,108, filed February 11, 2016, now U.S. Patent No. 10,685,136, which claims priority to U.S. Provisional Application No. 62/115,391, filed February 12, 2015, each of which are incorporated herein by reference in their entireties and for all purposes. TECHNICAL FIELD Embodiments of the present invention relate generally to information storage and sharing systems and methods. BACKGROUND Individuals are often asked to provide personal documents and information in connection with receiving various goods or services, entering various transactions, or generally providing the information to another entity (e.g., the government). The personal information may include government issued identification documents (e.g., drivers’ licenses, social security numbers, birth certificates, passports, state identifications, etc.), other government documents (e.g., tax forms, property deeds, etc.), employment forms (e.g., résumés, tax forms, pay stubs, school transcripts, etc.), biometric data (e.g., fingerprints, voice samples, retina scans, facial image data, etc.), passwords, personal identification numbers (“PINs”), other personal information (e.g., mother’s maiden name, date of birth, height, weight, answers to security questions, etc.), or a combination thereof. Often times, individuals are asked to provide verified information and documents their identities with a second party involved in the transaction, be it another individual, a group of individuals, a commercial entity, or a government entity. Providing this information and documents may become cumbersome and/or overly burdensome depending on the amount of documents needed and whether the documents need to be verified as authentic. For example, in certain transactions, an individual may be required to present a driver’s license, a birth certificate, and a social security card. This requires that the individual locate (or order) each document, which may require multiple trips to document storage and production facilities (e.g., a first trip to a government office to order a birth certificate, a second trip to a bank safe deposit box to retrieve a social security card, etc.). These issues may be further magnified in situations where the person or entity is entering into a series of repeated transactions or a multiparty transaction, wherein each transaction requires a different combination of documents and information. SUMMARY One example embodiment relates to an information computing system. The system includes a network interface structured to facilitate the sending and receiving of data to and from a user device, a third-party device, and a financial institution computing system. The system further includes an account management circuit structured to manage a plurality of user accounts associated with a plurality of users of the information computing system. The system includes an inbound information circuit structured to receive and process user content associated with the plurality of users, wherein the user content is received from the user device, the third-party device, and the financial institution computing system. The system further includes a user information database storing the user content associated with the plurality of users. Another example embodiment relates to a method. The method includes receiving, by an account management circuit of an information computing system, an enrollment request from a user device associated with a user, wherein the enrollment request includes an identification of an account associated with the user held with a financial institution. The method further includes importing, by the account management circuit from an account holder database of a financial institution computing system associated with the financial institution, known user content during an initial content import phase. The method includes creating, by the account management circuit, a user account for the user. The method further includes storing, by an inbound information circuit of the information computing system, at least a portion of the known user content in a user information database. A further example embodiment relates to a method. The method includes receiving, by an account management circuit of an information computing system, a request to create a secure sharing zone from a registered user of the information computing system, wherein the registered user maintains user content with the information computing system. The method further includes creating, by the account management circuit, the secure sharing zone, wherein the registered user and an unregistered user can provide content to the secure sharing zone. The method includes receiving, by the account manag