Numeric Translation Layer for Privacy-Safe Loyalty Redemption
Find Innovative SolutionsGenerate Solutions
Solution Overview
Problem
The increased prevalence of digital transactions has highlighted the need for improved security and privacy measures to protect users' financial information, particularly in transactions involving loyalty programs, as sensitive data is vulnerable to exploitation and data mining.
Innovation Solution
A computer system comprising an intermediary payment network and third-party loyalty program system that obfuscates transaction amounts and user account numbers, using obfuscation datasets and mapping techniques to protect user privacy, while allowing rewards redemption through obfuscated values.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If user financial account numbers and transaction amounts are transmitted to third-party loyalty programs, then rewards redemption functionality is enabled, but user privacy and security are compromised due to data exposure risks
Solution Approach 1:
The patent introduces an intermediary translation system that converts sensitive financial data (account numbers, transaction amounts) into obfuscated values before transmission to third-party loyalty programs. This intermediary layer enables rewards functionality while preventing direct exposure of sensitive data, as the loyalty programs receive only obfuscated values that cannot be reverse-engineered to reveal original financial information
Solution Approach 2:
The system transforms financial parameters (account numbers, transaction amounts) into different parameter representations through obfuscation algorithms. The original sensitive parameters are changed into obfuscated values that maintain functional equivalence for rewards calculation but eliminate identifiable information, thereby changing the data form while preserving utility
2Ease of operation
If sensitive financial data is collected and stored for loyalty program integration, then personalized rewards can be provided, but vulnerability to hacking and exploitation increases
Solution Approach 1:
The patent creates obfuscated copies of sensitive financial data for transmission to loyalty programs. These copies contain all necessary information for personalized rewards calculation but are structurally transformed to eliminate sensitive identifiers. The original sensitive data remains secure in financial institutions while functional copies are safely shared
Solution Approach 2:
An intermediary obfuscation system acts as a secure bridge between financial institutions and loyalty programs. This intermediary transforms sensitive data into secure obfuscated form, enabling personalized rewards while maintaining security. The intermediary layer ensures that even if loyalty programs are compromised, the exposed data cannot be used for exploitation
3Measurement precision
If transaction details are shared with third-party loyalty programs, then integration accuracy is improved, but privacy protection is reduced
Solution Approach 1:
The system changes the parameter representation of transaction data through obfuscation while preserving the functional relationships needed for accurate rewards calculation. The obfuscation process maintains precision for rewards determination purposes while simultaneously protecting privacy by removing identifiable information
Data Source
AI summary
A computer system for numeric translation within digital financial transactions comprises various obfuscation tables and remote systems that each manage particular portions of private data. Each remote system utilizes a unique obfuscation layer to protect private data from being communicated to other systems.