Transaction Privacy Control via Data Segmentation and Intermediary Mediation

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Solution Overview

Problem

Current systems for managing transaction data lack effective privacy protection mechanisms, failing to adequately safeguard user privacy while providing personalized services and targeted advertisements based on transaction records.

Innovation Solution

A system that integrates a transaction handler with an input engine and a broker engine to securely combine and unify transaction data, utilizing personalized tags and user privacy policies to manage data access and usage, ensuring compliance with user consent and privacy preferences.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Adaptability or versatility

If transaction data is mined and analyzed for targeted advertising and personalized services, then service personalization and advertising effectiveness are improved, but user privacy protection deteriorates

Engineering Contradiction:

Improveservice personalizationVSAvoiduser privacy exposure

Core Design Contradiction:

Adaptability or versatilityVSObject-affected harmful factors

Solution Approach 1:

The system segments transaction data into aggregated categories (e.g., merchant categories, spending patterns) rather than processing individual transaction records. This segmentation allows personalized services to be provided based on general spending behavior while preventing exposure of specific transaction details, effectively resolving the contradiction between personalization and privacy protection.

Inventive Principle:

Principle #1Segmentation

Solution Approach 2:

The patent introduces an intermediary processing layer that acts as a mediator between raw transaction data and personalized services. This intermediary aggregates and anonymizes data before it is used for targeted advertising and personalization, ensuring that user privacy is protected while still enabling effective personalized services through the use of aggregated spending patterns.

Inventive Principle:

Principle #24Intermediary (Mediator)

2Loss of information

If detailed transaction records are stored and accessed for analysis, then data mining capability is improved, but data security and privacy control worsen

Engineering Contradiction:

Improvedata mining capabilityVSAvoidprivacy protection reliability

Core Design Contradiction:

Loss of informationVSReliability

Solution Approach 1:

The system extracts only the necessary aggregated information from detailed transaction records for data mining purposes. Instead of storing and accessing complete transaction histories, the system extracts and retains only aggregated spending patterns, categories, and trends, thereby maintaining data mining capability while reducing privacy risks associated with storing detailed personal transaction data.

Inventive Principle:

Principle #2Taking out (Extraction)

3Productivity

If transaction data is shared with third parties for marketing and analysis, then business value and service quality are improved, but privacy control and user consent management deteriorate

Engineering Contradiction:

Improvebusiness valueVSAvoidprivacy consent management

Core Design Contradiction:

ProductivityVSDevice complexity

Solution Approach 1:

The patent merges privacy consent management with the existing transaction processing workflow. User privacy preferences and consent settings are integrated into the transaction handler system, allowing automated enforcement of privacy controls during data sharing operations. This merging simplifies privacy management by combining it with familiar transaction processing procedures rather than requiring separate complex consent management systems.

Inventive Principle:

Principle #5Merging (Combining)

Data Source

PatentUS10607219B2Systems and methods to provide privacy protection for activities related to transactions

Publication Date: 2020.03.31 VISA INTERNATIONAL SERVICE ASSOCIATION

AI summary

A computing apparatus includes: a portal configured to present a privacy control panel to receive input from a user to create a privacy policy; a data warehouse configured to store the privacy policy in connection with account information of the user; and a transaction handler configured to provide a privacy indicator, in accordance with the privacy policy stored in the data warehouse, in an authorization response for a transaction made using the account information of the user.