Patent Document ID: 9454759
Application ID: 14807151

Base Claim:
1. A method for maintaining consumer privacy in behavioral scoring, comprising: receiving, by a receiver of a first computing system, a plurality of account identifiers, and, for each account identifier, a corresponding first encrypted account identifier and corresponding disguised set of consumer characteristics from a second computing system, wherein the first encrypted account identifier is a produced via encryption of the corresponding account identifier using a first one-way encryption, and wherein the receiver of the first 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 first 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; and generating, by a processor of the first 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 first computing system does not receive any unencrypted account identifiers, any undisguised consumer characteristics, or any personally identifiable information.

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Claim 2:
2. The method of claim 1 , further comprising: calculating, by the processor of the first computing system, a behavior prediction score for each first encrypted account identifier by application of the corresponding disguised set of consumer characteristics to the generated algorithm; and transmitting, by a transmitter of the first computing system, at least the calculated behavior prediction score for each first encrypted account identifier and the corresponding first encrypted account identifier.