IP Library Granted Patent US 12,574,432
Granted Patent B2
US 12,574,432 · App. 18/484,231 · Granted Mar 10, 2026

Generating a secure upload URL and granting access to a user within a secure document system

Inventors: Siddhi Soman (San Francisco, CA); Jose Roberto Cataneo Samano (San Francisco, CA); Saisi Peter (San Francisco, CA); William Stern (New York, NY)
Assignee: Chime Financial, Inc.
H04L67/06G06F21/6218H04L9/0819H04L63/10G06F2221/2141
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Quick Facts
Patent No.
US 12,574,432
App. No.
18/484,231
Granted
Mar 10, 2026
Kind
B2
Abstract

The present disclosure relates to systems, non-transitory computer-readable media, and methods for generating a secure upload URL, receiving a file upload to a first draft data store, and transferring the file from the first draft data store to a first final data store. In particular, in one or more embodiments, the disclosed systems transfers the file from the first draft data store to a first final data store based on the file meeting predetermined file attributes associated with the first draft data store. Moreover, the disclosed system provides to an agent device access to the file based on access permissions corresponding to the first final data store.

Claims (66)

1 . A computer-implemented method comprising:

receiving, from a client device, an upload request comprising information associated with a file;

identifying a first draft data store from a plurality of draft data stores based on a content category identified within the upload request;

based at least in part on the information associated with the file, generating a secure upload URL to the first draft data store;

providing the secure upload URL to the client device for the client device to upload the file to the first draft data store;

transferring the file from the first draft data store to a first final data store based on the file meeting predetermined file attributes associated with the first draft data store; and

providing, to an agent device, access to the file based on access permissions corresponding to the first final data store.

2 . The computer-implemented method of claim 1 , wherein the content category identified within the upload request is a content category from a set of content categories comprising disputed transactions, personal identification, or account updates.

3 . The computer-implemented method of claim 2 , wherein the predetermined file attributes associated with the first draft data store are different from predetermined file attributes associated with a second draft data store.

4 . The computer-implemented method of claim 1 , further comprising:

providing a second secure upload URL for the client device to upload a second file to the first draft data store;

determining the second file does not meet the predetermined file attributes associated with the first draft data store by determining a file name, a file size, file content, or a file type does not satisfy the predetermined file attributes associated with the first draft data store; and

preventing transfer of the second file into the first final data store.

5 . The computer-implemented method of claim 1 , wherein transferring the file from the first draft data store to the first final data store comprises:

creating a duplicate file based on the file;

transferring the duplicate file to the first final data store; and

removing the file from the first draft data store after a predetermined period.

6 . The computer-implemented method of claim 1 , further comprising generating the secure upload URL to expire after a predetermined period.

7 . The computer-implemented method of claim 1 , wherein providing access to the file based on the access permissions corresponding to the first final data store comprises:

providing to the agent device an authorization key for making API calls;

receiving an API call from the agent device with an indication of the authorization key; and

returning a secure access URL to the agent device to provide access to the file.

8 . A non-transitory computer-readable medium storing instructions that, when executed by at least one processor, cause a computer system to:

receive, from a client device, an upload request comprising information associated with a file;

identify a first draft data store from a plurality of draft data stores based on a content category identified within the upload request;

based at least in part on the information associated with the file, generate a secure upload URL to the first draft data store;

provide the secure upload URL to the client device for the client device to upload the file to the first draft data store;

transfer the file from the first draft data store to a first final data store based on the file meeting predetermined file attributes associated with the first draft data store; and

provide, to an agent device, access to the file based on access permissions corresponding to the first final data store.

9 . The non-transitory computer-readable medium of claim 8 , wherein the content category identified within the upload request is a content category from a set of content categories comprising disputed transactions, personal identification, or account updates.

10 . The non-transitory computer-readable medium of claim 9 , wherein the predetermined file attributes associated with the first draft data store are different from predetermined file attributes associated with a second draft data store.

11 . The non-transitory computer-readable medium of claim 8 , further causing the computer system to:

provide a second secure upload URL for the client device to upload a second file to the first draft data store;

determine the second file does not meet the predetermined file attributes associated with the first draft data store by determining a file name, a file size, file content, or a file type does not satisfy the predetermined file attributes associated with the first draft data store; and

prevent transfer of the second file into the first final data store.

12 . The non-transitory computer-readable medium of claim 8 , wherein providing access to the agent device based on access permissions of the first final data store comprises providing the agent device with a permanent secure access URL and a key that indicates a storage location of the first final data store.

13 . The non-transitory computer-readable medium of claim of claim 12 , further comprising assigning agent conditions to the first final data store.

14 . The non-transitory computer-readable medium of claim 13 , further causing the computer system to:

receive, from a second agent device, a request to access the file via the permanent secure access URL;

identify for the second agent device, the agent conditions for the first final data store; and

provide file access to the second agent device when the second agent device satisfies the agent conditions.

15 . A system comprising:

at least one processor; and

at least one non-transitory computer-readable storage medium storing instructions that, when executed by the at least one processor, cause the system to:

receive, from a client device, an upload request comprising information associated with a file;

identify a first draft data store from a plurality of draft data stores based on a content category identified within the upload request;

based at least in part on the information associated with the file, generate a secure upload URL to the first draft data store;

provide the secure upload URL to the client device for the client device to upload the file to the first draft data store;

transfer the file from the first draft data store to a first final data store based on the file meeting predetermined file attributes associated with the first draft data store; and

provide, to an agent device, access to the file based on access permissions corresponding to the first final data store.

16 . The system of claim 15 , wherein transferring the file from the first draft data store to the first final data store causes the system to:

create a duplicate file based on the file;

transfer the duplicate file to the first final data store; and

remove the file from the first draft data store after a predetermined period.

17 . The system of claim 15 , further causing the system to generate the secure upload URL to expire after a predetermined period.

18 . The system of claim 15 wherein providing access to the file based on the access permissions corresponding to the first final data store causes the system to:

provide to the agent device an authorization key for making API calls;

receive an API call from the agent device with an indication of the authorization key; and

return a secure access URL to the agent device to provide access to the file.

19 . The system of claim 15 , wherein providing to the agent device, access to the file further causes the system to:

receive a request from the agent device for access to the file in the first final data store;

provide the file to the agent device based on the agent device satisfying permissions corresponding to the first final data store; and

log access of the file by the agent device.

20 . The system of claim 15 , wherein the access permissions of the first final data store further causes the system to:

generate a label for the file on the first final data store based on file name, file size, file type, or content category; and

provide, to the agent device, access to the file on the first final data store based on the agent device being pre-authorized to access the label.

Assignments (3)
CORRECTIVE ASSIGNMENT TO CORRECT THE CONVEYING PARTY DATA FROM ROBERT CATANEO TO JOSE ROBERTO CATANEO SAMANO AND PETER SAISI TO SAISI PETER PREVIOUSLY RECORDED ON REEL 66980 FRAME 149. ASSIGNOR(S) HEREBY CONFIRMS THE ASSIGNMENT. Recorded Aug 8, 2025
From: SOMAN, SIDDHI; CATANEO SAMANO, JOSE ROBERTO; PETER, SAISI; STERN, WILLIAM
To: CHIME FINANCIAL, INC.
Reel/Frame 072369/0316 →
SECURITY AGREEMENT Recorded Mar 31, 2025
From: CHIME FINANCIAL, INC.
To: MORGAN STANLEY SENIOR FUNDING, INC., AS COLLATERAL AGENT
Reel/Frame 070689/0813 →
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Apr 2, 2024
From: SOMAN, SIDDHI; CATANEO, ROBERT; SAISI, PETER; STERN, WILLIAM
To: CHIME FINANCIAL, INC.
Reel/Frame 066980/0149 →
Continuity (2)
Provisional Application 63378823 · Oct 7, 2022
Related Publication 20240121290A1 · Apr 11, 2024
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