System and method for online data processing

Patent metadata

Field	Value
Publication number	US-8935797-B1
Application number	US-71235510-A
Country	US
Kind code	B1
Filing date	Feb 25, 2010
Priority date	Feb 25, 2010
Publication date	Jan 13, 2015
Grant date	Jan 13, 2015

Abstract

Customer online data is collected via script on customer computers and is communicated to a server hosted by an organization, such as a card issuer. The customer online data communicated to the server is non-personally identifiable information (non-PII). In turn, the server aggregates the non-PII customer online data from the set of participating merchants. The server associates the received non-PII customer online data with non-PII demographic data. Other non-PII transaction data, such as previous transactions processed at a card issuer, also can be associated with the non-PII customer online data and non-PII demographic data. These associations are, in turn, used to create reports and to provide services to help merchants or other requesting organizations develop online strategies to drive click thru and conversion rates.

First claim

What is claimed is:

1. A computer implemented method comprising:
generating, by a computer-based system configured for protecting consumer privacy, a first hash code;
associating, by the computer-based system, the first hash code with a first user identification (ID),
wherein the first user ID is associated with a consumer,
wherein the consumer is associated with a transaction account code, transaction data, and demographic information,
wherein the transaction account code comprises personally identifiable information (PII) and the first user ID comprises non-personally identifiable information (non-PII), and
wherein the transaction data comprises financial transaction data associated with a transaction account of the first user;
transmitting, by the computer-based system, the transaction data, the demographic information, the first user ID, and the first hash code to a first service;
wherein the first service associates online data associated with a browsing history with the transaction data and demographic information, in response to the first hash code matching a second hash code,
wherein the online data identifies an abandoned online cart of the consumer,
wherein the second hash code is retrieved by the first service based on a second user ID associated with the online data,
wherein the computer-based system does not have access to the online data, and
wherein the first service does not have access to the transaction account code.

2. The method of claim 1 , wherein the first service generates a report based on the first data and online data, wherein PII is not accessed by the first service during the generating.

3. The method of claim 1 , wherein the first service receives the online data and the first user ID from different entities.

4. The method of claim 1 , wherein the first hash code is not communicated outside the computer-based system and the first service.

5. The method of claim 1 , further comprising enforcing, by the computer-based system, a security policy that restricts the first service from accessing PII.

6. The method of claim 1 , wherein the transaction data comprises a purchase history associated with the transaction account code.

7. A system comprising:
a processor configured for protecting consumer privacy,
a tangible, non-transitory memory configured to communicate with the processor,
the tangible, non-transitory memory having instructions stored thereon that, in response to execution by the processor, cause the processor to perform operations comprising:
generating, by the processor, a first hash code;
associating, by the processor, the first hash code with a first user identification (ID),
wherein the first user ID is associated with a consumer,
wherein the consumer is associated with a transaction account code, transaction data, and demographic information,
wherein the transaction account code comprises personally identifiable information (PII) and the first user ID comprises non-personally identifiable information (non-PII), and
wherein the transaction data comprises financial transaction data associated with a transaction account of the first user; and
transmitting, by the processor, the transaction data, the demographic information, the first user ID, and the first hash code to a first service;
wherein the first service associates online data associated with a browsing history with the transaction data and demographic information, in response to the first hash code matching a second hash code,
wherein the online data identifies an abandoned online shopping cart of the consumer,
wherein the second hash code is retrieved by the first service based on a second user ID associated with the online data,
wherein the processor does not have access to the online data, and
wherein the first service does not have access to the transaction account code.

8. The system of claim 7 , wherein the first service generates a report based on the first data and online data, wherein PII is not accessed by the first service module during the generating.

9. The system of claim 7 , wherein the first service receives the online data and the first user ID from different entities.

10. The system of claim 7 , wherein the operations further comprise enforcing, by the processor, a security policy that restricts the first service from accessing PII.

11. The system of claim 7 , wherein the transaction data comprises a purchase history associated with the transaction account code.

12. An article of manufacture including a non-transitory, tangible computer-readable storage medium having instructions stored thereon that, in response to execution by a computer-based system configured for protecting consumer privacy, cause the computer-based system to perform operations comprising:
generating, by the computer-based system, a first hash code;
associating, by the computer-based system, the first hash code with a first user identification (ID),
wherein the first user ID is associated with a consumer,
wherein the consumer is associated with a transaction account code, transaction data, and demographic information,
wherein the transaction account code comprises personally identifiable information (PII) and the first user ID comprises non-personally identifiable information (non-PII), and
wherein the transaction data comprises financial transaction data associated with a transaction account of the first user; and
transmitting, by the computer-based system, the transaction data, the demographic information, the first user ID, and the first hash code to a first service;
wherein the first service associates online data associated with a browsing history with the transaction data and demographic information, in response to the first hash code matching a second hash code,
wherein the online data identifies an abandoned online shopping cart of the customer,
wherein the second hash code is retrieved by the first service based on a second user ID associated with the online data,
wherein the computer-based system does not have access to the online data, and
wherein the first service does not have access to the transaction account code.

13. The article of manufacture of claim 12 , wherein the first service generates a report based on the first data and online data, wherein PII is not accessed by the first service during the generating.

14. The article of manufacture of claim 12 , wherein the first service receives the online data and the first user ID from different entities.

15. The article of manufacture of claim 12 , wherein the first hash code is not communicated outside the computer-based system and the first service.

16. The article of manufacture of claim 12 , wherein the operations further comprise enforcing, by the computer-based system, a security policy that restricts the first service from accessing PII.

17. The article of manufacture of claim 12 , wherein the transaction data comprises a purchase history associated with the transaction account code.

18. The article of manufacture of claim 12 , wherein the first service receives the online data from an account issuer server.

19. The article of manufacture of claim 18 , wherein the online data is not associated with PII at any point between the account issuer server and the first service.

Assignees

• Silver Wendy
• Shelby James
• Yong Jackie S
• Bowman Jean
• American Express Travel Relate

Inventors

• Silver Wendy
• Shelby James
• Yong Jackie S
• Bowman Jean

Classifications

• G06Q30/0615 Primary

  Anonymizing · CPC title

• H04L63/0421

  Anonymous communication, i.e. the party's identifiers are hidden from the other party or parties, e.g. using an anonymizer · CPC title

• G06F21/6254

  by anonymising data, e.g. decorrelating personal data from the owner's identification · CPC title

• G06Q30/02

  Marketing; Price estimation or determination; Fundraising · CPC title

• G06Q30/0253

  During e-commerce, i.e. online transactions · CPC title