System and method of filtering consumer data

Patent metadata

Field	Value
Publication number	US-12216795-B2
Application number	US-202318500773-A
Country	US
Kind code	B2
Filing date	Nov 2, 2023
Priority date	Dec 10, 2013
Publication date	Feb 4, 2025
Grant date	Feb 4, 2025

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 data management system, comprising:
a network interface;
at least one processor; and
a memory having instructions stored thereon that, when executed, cause the at least one processor to:
receive, using the network interface, data sharing permissions from each of a plurality of data sources;
receive, using the network interface, data from each of the plurality of data sources, wherein the data from each of the plurality of data sources comprises a source identifier that indicates a respective data source of the plurality of data sources from which the data was received;
store the data on one or more databases;
receive, using the network interface, a request for data from a computing device, the request comprising one or more criteria;
identify a subset of data matching the one or more criteria;
anonymize the source identifiers within a first portion of the subset of data into de-identified data based on the data sharing permissions from a first data source that provided the first portion of the subset of data; and
send, using the network interface, the subset of data to the computing device.

2. The data management system of claim 1 , wherein:
anonymizing the source identifiers comprises one or both of removing the source identifiers and altering the source identifiers.

3. The data management system of claim 1 , wherein:
at least some of the source identifiers comprise lender identifying information (LII).

4. The data management system of claim 1 , wherein:
the instructions further cause the at least one processor to convert at least some personally identifiable information within a second portion of the subset of data into de-identified data based on the data sharing permissions from a second data source that provided the second portion of the subset of data.

5. The data management system of claim 4 , wherein:
the first data source and the second data source are the same.

6. The data management system of claim 4 , wherein:
the first portion and the second portion are the same.

7. The data management system of claim 1 , wherein:
the first portion comprises an entirety of the subset of data.

8. A method of operating a data management system, comprising:
receiving data sharing permissions from each of a plurality of data sources;
receiving data from each of the plurality of data sources, wherein the data from each of the plurality of data sources comprises a source identifier that indicates a respective data source of the plurality of data sources from which the data was received;
storing the data on one or more databases;
receiving a request for data from a computing device, the request comprising one or more criteria;
identifying a subset of data matching the one or more criteria;
anonymizing the source identifiers within a first portion of the subset of data into de-identified data based on the data sharing permissions from a first data source that provided the first portion of the subset of data; and
sending the subset of data to the computing device.

9. The method of operating a data management system of claim 8 , further comprising:
convert at least some personally identifiable information within a second portion of the subset of data into de-identified data based on the data sharing permissions from a second data source that provided the second portion of the subset of data.

10. The method of operating a data management system of claim 9 , wherein:
the personally identifiable information within the de-identified data is de-identified by at least one of removing the personally identifiable information, masking the personally identifiable information, obfuscating the personally identifiable information, scrambling the personally identifiable information, or replacing the personally identifiable information with a pseudonym.

11. The method of operating a data management system of claim 8 , further comprising:
encrypting personally identifiable information within the data prior to storing the data in the one or more databases.

12. The method of operating a data management system of claim 8 , further comprising:
aggregating the subset of data with at least one additional subset of data to form aggregated data; and
performing statistical analysis on the aggregated data to analyze trends within the aggregated data, identify patterns within the aggregated data, or both analyze trends and identify patterns within the aggregated data.

13. The method of operating a data management system of claim 8 , further comprising:
generating logs of data requested from the first data source; and
providing the logs of data to the first data source.

14. The method of operating a data management system of claim 8 , wherein:
each datum of the data comprises records associated with a loan.

15. A non-transitory computer-readable medium having instructions stored thereon that, when executed by one or more processors, cause a data management system to:
receive data sharing permissions from each of a plurality of data sources;
receive data from each of the plurality of data sources, wherein the data from each of the plurality of data sources comprises a source identifier that indicates a respective data source of the plurality of data sources from which the data was received;
store the data on one or more databases;
receive a request for data from a computing device, the request comprising one or more criteria;
identify a subset of data matching the one or more criteria;
anonymize the source identifiers within a first portion of the subset of data into de-identified data based on the data sharing permissions from a first data source that provided the first portion of the subset of data; and
send the subset of data to the computing device.

16. The non-transitory computer-readable medium of claim 15 , wherein the instructions further cause the data management system to:
convert at least some personally identifiable information within a second portion of the subset of data into de-identified data based on the data sharing permissions from a second data source that provided the second portion of the subset of data.

17. The non-transitory computer-readable medium of claim 15 , wherein:
the de-identified data is re-identifiable using a unique identifier that is assigned to each data record within the de-identified data.

18. The non-transitory computer-readable medium of claim 15 , wherein:
anonymizing the source identifiers comprises one or both of removing the source identifiers and altering the source identifiers.

19. The non-transitory computer-readable medium of claim 15 , wherein:
anonymizing the source identifiers comprises altering the source identifiers by replacing the source identifiers with a pseudonym.

20. The non-transitory computer-readable medium of claim 19 , wherein:
the pseudonym is generated randomly by the data management system.

Assignees

• Early Warning Services Llc

Inventors

• Cook Michael

Classifications

• G06Q20/027

  involving a payment switch or gateway · CPC title

• G06Q20/34

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

• G06F16/245

  Query processing · CPC title

• 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