Method and system for maintaining privacy in scoring of consumer spending behavior

US9454759B2 · kind B2 · utility

Assignee

• MASTERCARD INTERNATIONAL INCORPORATED · US

Inventors

• Curtis Villars · Chatham, US
• Serge Bernard · Danbury, US
• Todd Christian Lowenberg · Redding, US

Key dates

• Filing date: Jul 23, 2015
• Grant date: Sep 27, 2016
• Expiry date: Jul 24, 2035

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q2220/10
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

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.