Geographic Signature Matching for Card and App User Linking
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Solution Overview
Problem
Existing systems struggle to match card transaction data with mobile application data due to the lack of a common identifier, preventing the integration of these datasets to identify the same user's information across different databases.
Innovation Solution
A method and system that generates geographic regions for transaction and interaction data, creating signatures based on these regions, and matches these signatures to link account identifiers with user identifiers, utilizing time and location information to refine the matching process.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If card transaction data and mobile application data are stored in separate databases without common identifiers, then data privacy and security are maintained, but the ability to match and integrate user data across databases is lost
Solution Approach 1:
The patent introduces geographic region signatures as an intermediary element that bridges transaction data and mobile application data without requiring direct access to personal identifiers. The signature generation process uses location information from both data sources to create comparable signatures, enabling user matching while preserving the separation of databases and maintaining privacy controls.
2Measurement precision
If geographic region signatures are generated for all transactions and interactions, then user matching accuracy improves, but computational resources and processing time increase
Solution Approach 1:
The patent implements a multi-level matching approach where geographic region signatures are generated and compared first as a preliminary filter. Only when signatures match does the system proceed to generate more detailed identifiers like device fingerprints or hash values. This partial action approach maintains high matching accuracy while reducing overall computational burden by avoiding full processing for all data pairs.
Solution Approach 2:
The matching process is segmented into multiple stages: first comparing geographic region signatures, then progressively using more detailed identifiers only when needed. This segmentation allows the system to achieve accurate user identification while optimizing resource usage by applying computationally intensive methods only to relevant cases.
3Measurement precision
If detailed location information is used for signature generation, then matching accuracy between transactions and interactions improves, but user privacy concerns increase
Solution Approach 1:
The patent applies different levels of location detail to different matching scenarios. Geographic region signatures use aggregated location data for initial matching, while more detailed location information is only utilized when necessary and with appropriate privacy safeguards. This local quality approach ensures matching precision where needed while minimizing privacy exposure in routine operations.
Solution Approach 2:
Geographic region signatures serve as a privacy-preserving intermediary that captures location-based matching capability without exposing detailed user location data. The signatures enable accurate matching while the intermediary layer prevents direct access to sensitive location information, balancing precision with privacy protection.
Data Source
AI summary
Provided is a method for matching card transaction data to mobile application data. The method may include generating a plurality of regions within a geographic area, each region of the plurality of regions associated with a region identifier. Transaction data associated with an account identifier and mobile application data associated a user identifier may be received. A region for each transaction and for each interaction may be determined based on the transaction and interaction locations. A transaction signature may be generated for each account and an interaction signature may be generated for each user identifier. At least one transaction may be matched to at least one interaction signature. At least one account identifier may be linked to at least one user identifier based on matching the at least one transaction signature to the at least one interaction signature. A system and computer program product are also disclosed.