System and method of filtering consumer data

Patent metadata

Field	Value
Publication number	US-10546149-B2
Application number	US-201414565300-A
Country	US
Kind code	B2
Filing date	Dec 9, 2014
Priority date	Dec 10, 2013
Publication date	Jan 28, 2020
Grant date	Jan 28, 2020

Abstract

A system may include an interface configured to couple to a network, and includes a processor and a memory accessible to the processor. The memory may be configured to store instructions that, when executed, cause the processor to process search results corresponding to multiple data owners to selectively filter personally identifiable information (PII) associated with one or more consumers from the set of search results according to data sharing permissions for each of the data owners to produce filtered results. The instructions may further cause the processor to provide the filtered results to a user device through the network.

First claim

What is claimed is:

1. A system comprising:
an interface configured to couple to a network;
a processor; and
a memory device accessible to the processor and storing instructions that, when executed, cause the processor to:
receive a request for data from a device;
retrieve a set of search results corresponding to the request from a data warehouse in response to the request;
generate a transaction identifier in response to the request, wherein the transaction identifier is unique to the request;
associate the transaction identifier with the set of search results;
store the transaction identifier, the request, and the data in an inquiry log, wherein the data is related to the set of search results;
process the set of search results corresponding to multiple data owners to automatically filter personally identifiable information (PII) associated with one or more consumers from the set of search results according to data sharing permissions for each of the data owners to produce filtered results including de-identified data having the PII altered, the multiple data owners including at least one of a company and a lender;
provide the filtered results to the device through the network; and
automatically provide at least one of the multiple data owners with at least a portion of information stored in the inquiry log in response to at least one trigger, wherein the at least one trigger comprises at least one of a predetermined periodic basis or an on demand request from the at least one of the multiple data owners.

2. The system of claim 1 wherein the memory further includes instructions that, when executed, cause the processor to:
store the PII from one or more data sources in the data warehouse.

3. The system of claim 1 , wherein the memory further includes instructions that, when executed, cause the processor to:
determine first data sharing permissions corresponding to first data of the search results, the first data owned by a first data source;
determine second data sharing permissions corresponding to second data of the search results, the second data owned by a second data source; and
process the set of search results to selectively filter the first data according to the first data sharing permissions and the second data according to the second data sharing permissions to produce the filtered results.

4. The system of claim 1 , wherein the memory further includes instructions that, when executed, cause the processor to:
provide a graphical user interface (GUI) to an administrator device associated with a first data source, the GUI including one or more user-selectable elements accessible by a user to configure the data sharing permissions associated with first data owned by a data source;
receive user input corresponding to selection of at least one of the one or more user-selectable elements defining data sharing permissions for the first data; and
store the data sharing permissions in at least one of the memory and the data warehouse.

5. The system of claim 4 , wherein the memory further includes instructions that, when executed, cause the processor to:
receive, from a requester, a second request corresponding to data stored in the inquiry log;
retrieve log data from the inquiry log corresponding to the second request; and
provide the log data to the requester.

6. The system of claim 1 , wherein, prior to providing the filtered results, the memory further includes instructions that, when executed, cause the processor to determine a fee for the filtered results.

7. A system comprising:
an interface configured to communicate data to and receive data from a network;
a processor; and
a memory accessible to the processor and storing instructions that, when executed, cause the processor to:
receive a request for data from a device;
receive search results including personally identifiable information (PII) and lender identifiable information (Lii) from a memory device in response to receiving the request, each search result including a data owner and including corresponding data sharing permissions defined by the data owner, the data owner including at least one of a company and a lender,
generate a transaction identifier in response to the request, wherein the transaction identifier is unique to the request;
associate the transaction identifier with the search results;
store the transaction identifier, the request, and the data in an inquiry log, wherein the data is related to the search results;
process the search results to selectively alter at least a portion of one of the PII and the Lii to produce filtered search results based on the data sharing permissions;
provide the filtered search results to the device via the network; and
automatically provide at least one of the multiple data owners with at least a portion of information stored in the inquiry log in response to at least one trigger, wherein the at least one trigger comprises at least one of a predetermined periodic basis or an on demand request from the at least one of the multiple data owners.

8. The system of claim 7 , wherein the memory further includes instructions that, when executed, cause the processor to:
determine first data sharing permissions corresponding to first data of the search results owned by a first data source;
determine second data sharing permissions corresponding to second data of the search results owned by a second data source; and
process the set of search results to selectively filter the first data according to the first data sharing permissions and the second data according to the second data sharing permissions to produce the filtered search results.

9. The system of claim 7 , wherein the memory further includes instructions that, when executed, cause the processor to:
provide a graphical user interface (GUI) to an administrator device associated with a first data source, the GUI including one or more user-selectable elements accessible to configure first data sharing permissions associated with first data provided by the first data source;
receive user input corresponding to selection of at least one of the one or more user-selectable elements and defining first data sharing permissions; and
store the first data sharing permissions and the first data in one of the memory and a data warehouse.

10. The system of claim 7 , wherein the instructions that cause the processor to process the search results include instructions that, when executed, cause the processor to:
selectively remove the PII from the search results to produce the filtered search results.

11. The system of claim 7 , wherein the instructions that cause the processor to process the search results include instructions that, when executed, cause the processor to:
selectively remove the Lii from the search results to produce the filtered search results.

12. The system of claim 7 , wherein the memory further includes instructions that, when executed, cause the processor to determine a fee associated with the filtered search results.

13. A method comprising:
receiving a request for data from a device;
retrieving search results from at least one data source in response to the request, each search result including associated data sharing permissions defined by a data owner including at least one of a company and a lender;
generating a transaction identifier in response to the request, wherein the transaction identifier is unique to the request;
associating the transaction identifier with the search results;
storing the transaction identifier, the request, and the data in an inquiry log, wherein the data is related to the search results;
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Assignees

• Early Warning Services Llc

Inventors

• Cook Michael

Classifications

• G06F16/13

  File access structures, e.g. distributed indices (arrangements of input from, or output to, record carriers G06F3/06) · CPC title

• G06F21/6245 Primary

  Protecting personal data, e.g. for financial or medical purposes · CPC title

• G06Q20/34

  using cards, e.g. integrated circuit [IC] cards or magnetic cards · CPC title

• G06F16/245

  Query processing · CPC title

• G06Q20/027

  involving a payment switch or gateway · CPC title