Patent ID: 9123054
Filing Date: 2015-09-01
Classification: G06F,G06Q,H04L

Abstract:
1. A method for maintaining consumer privacy in behavioral scoring, 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 behavior prediction 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; 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, wherein a receiver of the second computing system is configured to encrypt each account identifier into a second encrypted account identifier using a second one-way encryption upon receipt; receiving, by the receiver of the second computing system, a plurality of transaction data entries, wherein each transaction data entry includes data related to a payment transaction including at least a second encrypted account identifier and transaction data; generating, by a processor of the second computing system, an algorithm configured to calculate a behavior prediction score corresponding to the behavior prediction request using disguised consumer characteristic values, wherein the generated algorithm is based on at least the transaction data included in each received transaction data entry and the disguised set of consumer characteristics mapped to the second encrypted account identifier included in the respective transaction data entry, wherein the second computing system does not receive any unencrypted account identifiers, any undisguised consumer characteristics, or any personally identifiable information.