Method and system for compiling a multi-source database of composite investor-specific data records with no disclosure of investor identity
First Claim
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1. A method of compiling a computerized database of anonymized consumer-specific behavioral data received from a plurality of data providers, the method comprising:
- inputting, using a computer and from each data provider, a set of data comprising;
consumer-specific behavioral data maintained by the data provider pertaining to a plurality of consumers, andwith respect to each consumer, a surrogate consumer code that is associated with the consumer-specific behavioral data pertaining to that consumer,wherein the surrogate consumer codes from all data providers correspond to a set of common surrogate consumer codes,wherein no surrogate consumer code corresponds to more than one common surrogate consumer code,wherein any surrogate consumer code from a data provider that corresponds to a particular common surrogate consumer code is different from the surrogate consumer codes from all other data providers that correspond to that same common surrogate consumer code,wherein each common surrogate consumer code corresponds to a single value of a consumer identifier maintained by all data providers in association with the consumer-specific behavioral data they maintain pertaining to the plurality of consumers,wherein each value of the consumer identifier represents a distinct consumer,wherein no value of the consumer identifier corresponds to more than one common surrogate consumer code, andwherein each inputted surrogate consumer code from a data provider is derived by executing a reversible transformation of the common surrogate consumer code that corresponds to the value of the consumer identifier maintained by that data provider in association with the consumer-specific behavioral data inputted in association with that surrogate consumer code, andwherein the set of data from the data provider does not disclose the values of the consumer identifier;
determining, using a computer and a decoding key, which surrogate consumer codes correspond to the same common surrogate consumer code by converting each surrogate consumer code to the corresponding common surrogate consumer code by using the decoding key to reverse the reversible transformation that created that surrogate consumer code,wherein the decoding key does not disclose the values of the consumer identifier; and
linking in the database, using a computer, consumer-specific behavioral data inputted in association with surrogate consumer codes that correspond to the same common surrogate consumer code.
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Abstract
A system and method are disclosed for compiling a database of investor-related data by gathering and linking customer-specific data records from multiple unaffiliated financial institutions, where such data records are coded in such a manner that the database compiler is enabled to link, across data providers and/or time periods, data records that pertain to the same investor without being provided any information that reveals the identity of any investor.
17 Citations
32 Claims
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1. A method of compiling a computerized database of anonymized consumer-specific behavioral data received from a plurality of data providers, the method comprising:
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inputting, using a computer and from each data provider, a set of data comprising; consumer-specific behavioral data maintained by the data provider pertaining to a plurality of consumers, and with respect to each consumer, a surrogate consumer code that is associated with the consumer-specific behavioral data pertaining to that consumer, wherein the surrogate consumer codes from all data providers correspond to a set of common surrogate consumer codes, wherein no surrogate consumer code corresponds to more than one common surrogate consumer code, wherein any surrogate consumer code from a data provider that corresponds to a particular common surrogate consumer code is different from the surrogate consumer codes from all other data providers that correspond to that same common surrogate consumer code, wherein each common surrogate consumer code corresponds to a single value of a consumer identifier maintained by all data providers in association with the consumer-specific behavioral data they maintain pertaining to the plurality of consumers, wherein each value of the consumer identifier represents a distinct consumer, wherein no value of the consumer identifier corresponds to more than one common surrogate consumer code, and wherein each inputted surrogate consumer code from a data provider is derived by executing a reversible transformation of the common surrogate consumer code that corresponds to the value of the consumer identifier maintained by that data provider in association with the consumer-specific behavioral data inputted in association with that surrogate consumer code, and wherein the set of data from the data provider does not disclose the values of the consumer identifier; determining, using a computer and a decoding key, which surrogate consumer codes correspond to the same common surrogate consumer code by converting each surrogate consumer code to the corresponding common surrogate consumer code by using the decoding key to reverse the reversible transformation that created that surrogate consumer code, wherein the decoding key does not disclose the values of the consumer identifier; and linking in the database, using a computer, consumer-specific behavioral data inputted in association with surrogate consumer codes that correspond to the same common surrogate consumer code. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19)
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20. A method of compiling a computerized database of anonymized consumer-specific behavioral data received from a plurality of data providers, the method comprising:
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inputting, using a computer and from each data provider, a set of data comprising; consumer-specific behavioral data maintained by the data provider pertaining to a plurality of consumers, and with respect to each consumer, a surrogate consumer code that is associated with the consumer-specific behavioral data pertaining to that consumer, wherein the surrogate consumer code corresponds to a single value of a consumer identifier maintained by the data provider in association with that consumer-specific behavioral data, wherein the surrogate consumer codes from all data providers correspond to values of the same consumer identifier, wherein each distinct value of the consumer identifier represents a distinct consumer, wherein the set of data from each data provider does not disclose the values of the consumer identifier, wherein the surrogate consumer code from a data provider that corresponds to a particular value of the consumer identifier is different from the surrogate consumer codes from other data providers that correspond to that value of the consumer identifier, and wherein a cross-reference table of surrogate consumer codes is created, wherein each row along a first dimension of the cross-reference table is assigned to a different value of the consumer identifier, and wherein each row along a second dimension of the cross-reference table is assigned to a different data provider and is populated with the surrogate consumer codes applicable to that data provider, each surrogate consumer code in the row of the first dimension that is assigned to the value of the consumer identifier to which it corresponds; and determining, using a computer and a decoding key, which surrogate consumer codes correspond to the same value of the consumer identifier, wherein the decoding key comprises the cross-reference table and an indication as to which row of the second dimension of the cross-reference table is assigned to each data provider, and wherein the decoding key does not disclose the values of the consumer identifier; and linking in the database, using a computer, consumer-specific behavioral data inputted in association with surrogate consumer codes that correspond to the same value of the consumer identifier. - View Dependent Claims (21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32)
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Specification