| 摘要 |
A method for maintaining consumer privacy in behavioral scoring includes a first computing system and a second computing system. The first computing system disguises consumer characteristics and maps disguised consumer characteristics to unencrypted account identifiers, and then transmits the data to the second computing system. The second computing system encrypts the account identifiers upon receipt, and maps the encrypted account identifiers to anonymous transaction data. The second computing system uses the transaction data to calculate consumer behavioral scores, and then generates a scoring algorithm that uses disguised consumer characteristics to calculate consumer behavior scores based on the calculated consumer behavioral scores and corresponding disguised consumer characteristics. The generated algorithm is then returned to the first computing system, with the second computing system not receiving any unencrypted account identifiers, any undisguised consumer characteristics, or any personally identifiable information. |
| 主权项 |
1. A method for maintaining consumer privacy in consumer analytics, comprising:
storing, in a memory of a first computing system, a plurality of account identifiers, wherein each account identifier is associated with a payment account corresponding to a consumer; receiving, by a receiver of the first computing system, transmitted data, wherein the transmitted data includes at least a consumer analytics request and a data file including at least a plurality of first encrypted account identifiers, wherein each first encrypted account identifier is encrypted using a first one-way encryption and is associated with a payment account corresponding to a consumer, and further including, for each first encrypted account identifier, a set of consumer characteristics associated with the consumer corresponding to the associated payment account; disguising, by a processor of the first computing system, each set of consumer characteristics included in the received data file such that the respective set of consumer characteristics is not personally identifiable; mapping, in the memory of the first computing system, each of the plurality of first encrypted account identifiers and corresponding disguised set of consumer characteristics to an account identifier of the plurality of account identifiers; and transmitting, by a transmitter of the first computing system, at least each account identifier and mapped first encrypted account identifier and corresponding disguised set of consumer characteristics to a second computing system. |
