Pre-Validated User ID Matching for Privacy-Restricted Targeting
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Solution Overview
Problem
Existing systems face challenges in enforcing access restrictions to regulated data and providing targeted offers to online users without violating data privacy regulations, particularly in the context of credit data governed by the Fair Credit Reporting Act (FCRA).
Innovation Solution
A pre-validation system correlates user attributes with credit data to identify pre-validated users who meet certain criteria, generating a list of pre-validated user IDs without sharing the actual credit data, which is then used by a targeting system to provide targeted offers through digital display entities, ensuring compliance with FCRA regulations.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Productivity
If a system shares user information between databases to enable targeted offers, then marketing effectiveness is improved, but data privacy compliance deteriorates
Solution Approach 1:
The patent introduces a pre-validation system as an intermediary between the regulated database (containing credit data) and the targeting database (used for marketing). This intermediary validates user eligibility criteria without exposing actual credit data, thereby enabling targeted marketing while maintaining FCRA compliance through controlled information sharing.
Solution Approach 2:
The patent extracts only the necessary validation results (pre-validated user IDs) from the regulated database, leaving the sensitive credit data behind. This extraction approach allows the targeting system to access eligibility information without accessing the actual regulated data, resolving the contradiction between marketing needs and privacy compliance.
2Reliability
If a system restricts access to regulated credit data to ensure compliance, then data privacy compliance is improved, but marketing targeting accuracy deteriorates
Solution Approach 1:
The patent performs preliminary validation of user eligibility criteria against regulated credit data before the targeting process. By pre-validating user IDs against eligibility criteria (such as credit score thresholds) and storing only the validation results, the system enables accurate targeting without needing to access regulated data during the actual marketing process, thus maintaining both compliance and accuracy.
3Measurement precision
If a system shares detailed credit information with targeting systems, then targeting precision is improved, but information security deteriorates
Solution Approach 1:
The patent extracts only the essential targeting information (pre-validated user IDs meeting eligibility criteria) from the regulated database, leaving all detailed credit information secure. This extraction ensures that the targeting system receives sufficient data for precise targeting while the regulated database maintains security by not exposing sensitive credit details.
Data Source
AI summary
A digital targeting system is configured to access data to determine users that satisfy content factors, such as pre-validation criteria, based on user information stored in a database having restrictions on sharing of user data, such as government regulations on sharing of the user information. The digital targeting system may then generate a pre-validated user ID list indicating those users that match the content factors. Users on the pre-validated user ID list may then be matched to users in other databases, such as a digital ID database, to identify digital IDs for the users that are usable by a digital display entity.