TRANSACTION UTILIZING ANONYMIZED USER DATA

摘要

A user requests to utilize anonymized user data to conduct a transaction. The anonymized user data keeps the user's sensitive data private, while still allowing certain entities to perform fraud analyses. The user configures a specific combination of user data elements to be anonymized prior to or at the time of the transaction. In some embodiments, the specific combination may be associated with a location or merchant type, which can also be selected by the user. The registration of a password associated with the anonymized user data may further increase security of the transaction.

主权项

1. A method comprising:
receiving, by a user device or different device associated with a user, anonymized user data elements corresponding to user data elements associated with an account of the user; transmitting, by the user device or the different device, the anonymized user data elements to a server computer; receiving, by the user device, a request to conduct a transaction with anonymized user data associated with the account, the request including a specific combination of user data elements selected by the user; generating, by the user device, a request to anonymize at least one user data element indicated in the specific combination; receiving, by the user device, the anonymized user data including at least one anonymized user data element associated with the at least one user data element indicated in the specific combination; and transmitting, by the user device, the anonymized user data to an access device.