System and method for online data processing

摘要

Customer online data is collected via script on customer computers and is communicated to a server hosted by an organization, such as a card issuer. The customer online data communicated to the server is non-personally identifiable information (non-PII). In turn, the server aggregates the non-PII customer online data from the set of participating merchants. The server associates the received non-PII customer online data with non-PII demographic data. Other non-PII transaction data, such as previous transactions processed at a card issuer, also can be associated with the non-PII customer online data and non-PII demographic data. These associations are, in turn, used to create reports and to provide services to help merchants or other requesting organizations develop online strategies to drive click thru and conversion rates.

主权项

1. A computer implemented method comprising:
generating, by a computer-based system configured for protecting consumer privacy, a first hash code; associating, by the computer-based system, the first hash code with a first user identification (ID), wherein the first user ID is associated with a consumer, wherein the consumer is associated with a transaction account code, transaction data, and demographic information, wherein the transaction account code comprises personally identifiable information (PII) and the first user ID comprises non-personally identifiable information (non-PII), and wherein the transaction data comprises financial transaction data associated with a transaction account of the first user; transmitting, by the computer-based system, the transaction data, the demographic information, the first user ID, and the first hash code to a first service; wherein the first service associates online data associated with a browsing history with the transaction data and demographic information, in response to the first hash code matching a second hash code, wherein the online data identifies an abandoned online cart of the consumer, wherein the second hash code is retrieved by the first service based on a second user ID associated with the online data, wherein the computer-based system does not have access to the online data, and wherein the first service does not have access to the transaction account code.