Customer privacy protection systems and methods

• US 7,240,032 B2
• Filed: 12/20/2001
• Issued: 07/03/2007
• Est. Priority Date: 12/20/2001
• Status: Expired due to Term

• Current Assignee: First Data Corporation (Fiserv Incorporated)
• Original Assignee: First Data Corporation (Fiserv Incorporated)
• Inventors: Villapudua, Missy L.
• Primary Examiner(s): Dixon; Thomas A.
• Application Number:
  US10/027,696
• Publication Number:
  US 20030120498A1
• Time in Patent Office: 2,021 Days
• Field of Search: 705/26, 705/1, 705/40, 705/41, 705/42, 705/44, 705/43, 705/14, 705/39
• US Class Current: 705/40
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/347 Passive cards
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G07C 9/22 in combination with an identity check of the pass holder
• CPC Class Codes: G07F 7/10 together with a coded signal , e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
• CPC Class Codes: G07F 7/1075 PIN is checked remotely

Abstract

A method for protecting consumer personal data by giving the consumer a choice of privacy preferences linked to their financial payment instruments such as credit cards, checks and the like. The privacy preference data is stored electronically in a database and on the payment instrument.

Claims

1. A method for protecting consumer personal data, the method comprising:

receiving an application for a payment instrument, wherein the application comprises personal data and a privacy preference of a consumer, and wherein the application is requested before the payment instrument is issued;

saving the application in electronic form in a database that is associated with an issuing financial institution who issued the payment instrument;

storing at least some of the personal data and the privacy preference onto the payment instrument, wherein the payment instrument further includes consumer account information necessary to tie a debit or credit payment transaction to a consumer account that is associated with the issuing financial institution;

receiving a purchase request at a credit or debit processing system that is associated with a merchant financial institution, wherein the purchase request is in response to presentation of the payment instrument and includes the customer account information and at least some of the personal data and the privacy preference from the payment instrument; and

saving the privacy preference in a database associated with the merchant financial institution;

whereby the purchase request provides the consumer account information as well as the personal data and the privacy preference from the use of the payment instrument, without separate entry of the personal data and the privacy preference from an instrument other than the payment instrument; and

wherein the payment instrument comprises a check, and wherein the privacy preference is printed onto the check.

2. A method for protecting consumer personal data, the method comprising:

receiving an application for a payment instrument, wherein the application comprises personal data and a privacy preference of a consumer, and wherein the application is requested before the payment instrument is issued;

saving the application in electronic form in a database that is associated with an issuing financial institution who issued the payment instrument;

storing at least some of the personal data and the privacy preference onto the payment instrument, wherein the payment instrument further includes consumer account information necessary to tie a debit or credit payment transaction to a consumer account that is associated with the issuing financial institution;

receiving a purchase request at a credit or debit processing system that is associated with a merchant financial institution, wherein the purchase request is in response to presentation of the payment instrument and includes the customer account information and at least some of the personal data and the privacy preference from the payment instrument; and

saving the privacy preference in a database associated with the merchant financial institution;

wherein the purchase request provides the consumer account information as well as the personal data and the privacy preference from the use of the payment instrument, without separate entry of the personal data and the privacy preference from an instrument other than the payment instrument; and

wherein the payment instrument comprises a check, and wherein the privacy preference is printed onto the check.

3. A method as in claim 2, further comprising reading the personal data and the privacy preference at a merchant location when the consumer is making a purchase using the payment instrument, and transmitting the personal data and the privacy preference to the credit or debit processing system.

4. A method as in claim 2, further comprising mailing marketing material to the consumer only if permitted by the consumer'"'"'s privacy preference.

5. A method as in claim 2, wherein the privacy preference indicates that the consumer would like to receive marketing material only from merchants that the consumer does business with.

6. A method as in claim 2, wherein the privacy preference indicates that the consumer would like to receive marketing material only from merchants that the consumer does business with and their affiliates.

7. A method as in claim 2, wherein the privacy preference indicates that the consumer would like to receive marketing material only from the bank that the consumer does business with.

8. A method as in claim 2, wherein the privacy preference indicates that the consumer does not want any marketing material.

9. A method for protecting consumer personal data, the method comprising:

providing the consumer with a payment instrument having stored thereon a privacy preference and personal data, wherein the payment instrument further includes consumer account information necessary to tie a debit or credit payment transaction to a consumer account;

reading the privacy preference, personal data and the consumer account information from the payment instrument when making a purchase at a merchant location, wherein the consumer account information is read to provide payment to a merchant and wherein the consumer account information as well as the personal data and the privacy preference are provided from the payment instrument, without separate entry of the personal data and the privacy preference from an instrument other than the payment instrument;

saving the privacy preference in a merchant database; and

contacting the consumer only in accordance with the privacy preference;

wherein the payment instrument comprises a check, and wherein the privacy preference is printed onto the check.