TRANSACTION UTILIZING ANONYMIZED USER DATA
First Claim
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1. A method comprising:
- receiving, by a user device or different device associated with a user, anonymized user data elements corresponding to user data elements associated with an account of the user;
transmitting, by the user device or the different device, the anonymized user data elements to a server computer;
receiving, by the user device, a request to conduct a transaction with anonymized user data associated with the account, the request including a specific combination of user data elements selected by the user;
generating, by the user device, a request to anonymize at least one user data element indicated in the specific combination;
receiving, by the user device, the anonymized user data including at least one anonymized user data element associated with the at least one user data element indicated in the specific combination; and
transmitting, by the user device, the anonymized user data to an access device.
1 Assignment
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Accused Products
Abstract
A user requests to utilize anonymized user data to conduct a transaction. The anonymized user data keeps the user'"'"'s sensitive data private, while still allowing certain entities to perform fraud analyses. The user configures a specific combination of user data elements to be anonymized prior to or at the time of the transaction. In some embodiments, the specific combination may be associated with a location or merchant type, which can also be selected by the user. The registration of a password associated with the anonymized user data may further increase security of the transaction.
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Citations
20 Claims
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1. A method comprising:
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receiving, by a user device or different device associated with a user, anonymized user data elements corresponding to user data elements associated with an account of the user; transmitting, by the user device or the different device, the anonymized user data elements to a server computer; receiving, by the user device, a request to conduct a transaction with anonymized user data associated with the account, the request including a specific combination of user data elements selected by the user; generating, by the user device, a request to anonymize at least one user data element indicated in the specific combination; receiving, by the user device, the anonymized user data including at least one anonymized user data element associated with the at least one user data element indicated in the specific combination; and transmitting, by the user device, the anonymized user data to an access device. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. A user device comprising:
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a processor; and a computer-readable medium coupled to the processor, the computer-readable medium comprising code, executable by the processor, for performing a method comprising; receiving, by the user device or a different device associated with a user, anonymized user data elements corresponding to user data elements associated with an account of the user; transmitting, by the user device, the anonymized user data elements to a server computer; receiving, by the user device, a request to conduct a transaction with anonymized user data associated with the account, the request including a specific combination of user data elements selected by the user; generating, by the user device, a request to anonymize at least one user data element indicated in the specific combination; receiving, by the user device, the anonymized user data including at least one anonymized user data element associated with the at least one user data element indicated in the specific combination; and transmitting, by the user device, the anonymized user data to an access device. - View Dependent Claims (12, 13, 14, 15, 16, 17, 18)
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19. A method comprising:
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receiving, by a server computer from a user device or different device associated with a user, anonymized user data elements corresponding to user data elements associated with an account of the user; storing, by the server computer, the anonymized user data elements in association with the corresponding user data elements; receiving, by the server computer, a request including a specific combination of user data elements selected by the user for a transaction to anonymize at least one user data element indicated in the specific combination of user data elements; determining, by the server computer, the specific combination of user data elements from the request; retrieving, by the server computer, anonymized user data elements associated with the at least one user data element indicated in the specific combination of user data elements; generating, by the server computer, anonymized user data including the anonymized user data elements for the transaction; and sending, by the server computer, the anonymized user data to the user device associated with the user, wherein the user device sends the anonymized user data to an access device.
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20. A server computer comprising:
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a processor; and a computer-readable medium coupled to the processor, the computer-readable medium comprising code, executable by the processor, for performing a method comprising; receiving, by a server computer from a user device or different device associated with a user, anonymized user data elements corresponding to user data elements associated with an account of the user; storing, by the server computer, the anonymized user data elements in association with the corresponding user data elements; receiving, by the server computer, a request including a specific combination of user data elements selected by the user for a transaction to anonymize at least one user data element indicated in the specific combination of user data elements; determining, by the server computer, the specific combination of user data elements from the request; retrieving, by the server computer, anonymized user data elements associated with the at least one user data element indicated in the specific combination of user data elements; generating, by the server computer, anonymized user data including the anonymized user data elements for the transaction; and sending, by the server computer, the anonymized user data to the user device associated with the user, wherein the user device sends the anonymized user data to an access device.
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Specification