Electronic disclosure delivery systems and methods

Abstract

A provider computing system is configured to receive a request from a computing device of a customer to receive access to one or more disclosure documents associated with a financial account in electronic format, send an electronic consent request to the computing device of the customer to receive the one or more disclosure documents in electronic format, receive a response from the computing device of the customer accepting the electronic consent request, transmit to the computing device of the customer and display on the computing device of the customer the one or more disclosure documents, and create and store an audit trail in a memory location of a customer database associated with a customer account associated with the customer identifier, where the audit trail includes a confirmations that the customer consented to receive the disclosure documents in electronic format and was provided access to the disclosure documents.

What is claimed is: 
     
         1 . A provider 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;   send, to the computing device of the customer, an electronic consent request to receive the one or more disclosure documents in electronic format;   receive a response from the computing device of the customer accepting the electronic consent request;   transmit to the computing device of the customer and display on the computing device of the customer the one or more disclosure documents; and   create and store an audit trail in a memory location of a customer database associated with a customer account associated with the customer identifier, wherein the audit trail includes a first confirmation that the customer consented to receive the one or more disclosure documents in electronic format and a second confirmation that the customer was provided access to the one or more disclosure documents.   
     
     
         2 . The system of  claim 1 , wherein the audit trail includes a date and time stamp corresponding to when the request to receive access to the one or more disclosure documents in electronic format was received from the computing device of the customer. 
     
     
         3 . The system of  claim 1 , further configured to send an electronic message to the computing device of the customer using a unique messaging address associated with the customer. 
     
     
         4 . The system of  claim 3 , wherein the request to receive access to the one or more disclosure documents in electronic format is received by the system based on the electronic message. 
     
     
         5 . The system of  claim 3 , wherein the electronic message sent to the computing device of the customer contains the customer identifier. 
     
     
         6 . The system of  claim 1 , wherein the one or more disclosure documents are retrievably stored in a structured format, the structured format based on at least one of an attribute indicative of a state, an attribute indicative of a jurisdiction, or an account-specific parameter. 
     
     
         7 . The system of  claim 1 , wherein the customer identifier includes a parameter indicative of a state or jurisdiction. 
     
     
         8 . A method comprising:
 receiving, 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;   sending, to the computing device of the customer, an electronic consent request to receive the one or more disclosure documents in electronic format;   receive a response from the computing device of the customer accepting the electronic consent request;   transmitting to the computing device of the customer and displaying on the computing device of the customer the one or more disclosure documents; and   creating and storing an audit trail in a memory location of a customer database associated with a customer account associated with the customer identifier, wherein the audit trail includes a first confirmation that the customer consented to receive the one or more disclosure documents in electronic format and a second confirmation that the customer was provided access to the one or more disclosure documents.   
     
     
         9 . The method of  claim 8 , wherein the audit trail includes a date and time stamp corresponding to when the request to receive access to the one or more disclosure documents in electronic format was received from the computing device of the customer. 
     
     
         10 . The method of  claim 8 , further comprising sending an electronic message to the computing device of the customer using a unique messaging address associated with the customer. 
     
     
         11 . The method of  claim 10 , wherein the request to receive access to the one or more disclosure documents in electronic format is received based on the electronic message. 
     
     
         12 . The method of  claim 10 , wherein the electronic message sent to the computing device of the customer contains the customer identifier. 
     
     
         13 . The method of  claim 8 , wherein the one or more disclosure documents are retrievably stored in a structured format, the structured format based on at least one of an attribute indicative of a state, an attribute indicative of a jurisdiction, or an account-specific parameter. 
     
     
         14 . The method of  claim 8 , wherein the customer identifier includes a parameter indicative of a state or jurisdiction. 
     
     
         15 . A non-transitory computer readable medium storing instructions that, when executed by one or more processors of a computing system, causes the computing system 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;   send, to the computing device of the customer, an electronic consent request to receive the one or more disclosure documents in electronic format;   receive a response from the computing device of the customer accepting the electronic consent request;   transmit to the computing device of the customer and display on the computing device of the customer the one or more disclosure documents; and   create and store an audit trail in a memory location of a customer database associated with a customer account associated with the customer identifier, wherein the audit trail includes a first confirmation that the customer consented to receive the one or more disclosure documents in electronic format and a second confirmation that the customer was provided access to the one or more disclosure documents.   
     
     
         16 . The non-transitory computer readable medium of  claim 15 , wherein the audit trail includes a date and time stamp corresponding to when the request to receive access to the one or more disclosure documents in electronic format was received from the computing device of the customer. 
     
     
         17 . The non-transitory computer readable medium of  claim 15 , wherein the instructions, when executed by the one or more processors, further causes the computing system to send the electronic message to the computing device of the customer via a unique messaging address associated with the customer. 
     
     
         18 . The non-transitory computer readable medium of  claim 17 , wherein the request to receive access to the one or more disclosure documents in electronic format is received by the computing system based on the electronic message. 
     
     
         19 . The non-transitory computer readable medium of  claim 17 , wherein the electronic message sent to the computing device of the customer contains the customer identifier. 
     
     
         20 . The non-transitory computer readable medium of  claim 15 , wherein the one or more disclosure documents are retrievably stored in a structured format, the structured format based on at least one of an attribute indicative of a state, an attribute indicative of a jurisdiction, or an account-specific parameter.