Mobile Wallet Analysis Credentials for Consent-Based Data Sharing
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Solution Overview
Problem
Existing data analysis technologies in mobile wallets face challenges in preserving user privacy and data control while providing analytical data to marketers, leading to unscrupulous data mining and lack of user consent in data handling.
Innovation Solution
A consent-based analysis credential is issued to a user's device, allowing for the analysis of mobile wallet contents with user consent, ensuring privacy by computing values based on wallet items without sensitive information, and verifying these values with a verifier.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Loss of information
If traditional data analysis methods are used to analyze consumer data in digital wallets, then analytical data can be provided to marketers, but user privacy and data control are compromised leading to unscrupulous data mining
Solution Approach 1:
The patent extracts only the necessary analytical insights from wallet data while leaving sensitive personal information in the user's possession. The analysis credential processes data locally and outputs only aggregated statistical values (e.g., total spending amounts, category distributions) without extracting or transmitting identifiable personal details, thus preserving privacy while enabling marketing analytics.
Solution Approach 2:
The patent introduces an analysis credential as an intermediary between the wallet data and external analyzers. This credential acts as a controlled interface that allows external parties to request and receive analytical results without direct access to the underlying sensitive data, mediating the interaction to protect user privacy while enabling data-driven marketing.
2Reliability
If user consent is required for data analysis, then user privacy is protected, but the complexity of data sharing processes increases
Solution Approach 1:
The patent implements preliminary consent actions where users pre-configure their data sharing preferences and permissions before any analysis occurs. The analysis credential is issued only after user consent, and users can pre-specify what types of analyses are permitted, reducing the need for repeated consent prompts and simplifying the overall process.
Solution Approach 2:
The patent makes the consent system dynamic by allowing users to adjust their permissions at any time. The analysis credential can be revoked or modified by the user, and the system adapts to changing user preferences without requiring complete system reconfiguration, making consent management flexible and user-friendly.
3Productivity
If centralized repositories are used to store analyzed data, then data analysis efficiency is improved, but user control over their data is lost
Solution Approach 1:
The patent segments the data storage and processing functions by keeping sensitive personal data in the user's local wallet while storing only aggregated analytical results in external repositories. This segmentation allows efficient centralized storage of analysis results without centralizing sensitive user information, maintaining both efficiency and user control.
Solution Approach 2:
The patent inverts the traditional approach by having data remain with the user rather than being transferred to centralized storage. The analysis credential processes data locally and sends only minimal aggregated results outward, reversing the conventional flow where data is collected centrally for analysis. This inversion maintains user control while still enabling efficient analysis through local processing.
Data Source
AI summary
Analysis credential for analyzing contents of a user's mobile/identity wallet and a method for doing same. An analysis credential is designed by an issuer and provided to a user's computing device at the user's active request. Instructions relating to the analysis credential cause a search of the wallet contents for relevant items and cause a value for the credential to be computed based on the contents of the wallet. The user is then prompted to provide consent for sharing the value of the credential with a verifier. The value of the credential preferably contains no identifying or sensitive information about the user. The analysis credential, in some embodiments, is evaluated on a predetermined schedule, while in other embodiments, the analysis credential is only evaluated in response to the user's request. Consent to evaluate the analysis credential may also be required in some embodiments.