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2. 发明公开

EP3170138A1 METHOD AND SYSTEM FOR MAINTAINING PRIVACY IN SCORING OF CONSUMER SPENDING BEHAVIOR 有权
标题翻译：方法和系统出于保护隐私的消费者行为的问题上维护评估
公开(公告)号：EP3170138A1
公开(公告)日：2017-05-24
申请号：EP15821928.7
申请日：2015-07-16
申请人： Mastercard International Incorporated
发明人： VILLARS, Curtis , BERNARD, Serge , LOWENBERG, Todd
IPC分类号： G06Q30/02 , G06Q30/06
CPC分类号： G06Q20/382 , G06F21/6245 , G06Q20/4014 , G06Q30/0201 , G06Q2220/10 , H04L63/0407 , H04L63/0428
摘要： 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.
摘要翻译：一种用于在行为得分维护消费者隐私的方法包括：第一计算系统和第二计算系统，第一计算系统伪装消费者特征和变相消费者特性，以未加密账户标识符映射，然后将数据发送到所述第二计算系统，该第二计算系统在接收加密账户标识符和加密账户标识符映射到匿名交易数据。第二个计算系统采用的交易数据来计算的消费行为分值，然后基因利率计分算法使用伪装没有消费特征来计算基于计算的消费行为分值消费行为的分数和相应的变相消费特点。然后将生成的算法返回到第一计算系统，其中第二计算系统未接收到任何未加密的帐户标识符，任何露骨消费者特性，或任何个人可识别信息。

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