# US 9,436,936 B2 · Systems and methods for analysis and linkage between different transaction data providers using de-identified data

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- Number: US 9,436,936 B2
- Document ID: US9436936B2
- Status: Granted
- Kind: B2
- Application number: 14/836,120
- Filed: 2015-08-26
- Published: 2015-12-17
- Granted: 2016-09-06
- Earliest claimed: 2010-05-12
- Assignees: Mastercard International Incorporated
- Applicants: MasterCard International Incorporated
- Inventors: Marianne Iannace
- Web page: https://patentgrep.com/patent/US9436936B2

## CPC

- G06Q 20/10: specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q 20/382: {insuring higher security of transaction}
- G06Q 20/383: {Anonymous user system}
- G06Q 20/389: {Keeping log of transactions for guaranteeing non-repudiation of a transaction}
- G06Q 20/4016: {involving fraud or risk level assessment in transaction processing}
- G06Q 30/00: Commerce
- G06Q 30/0201: Market modelling; Market analysis; Collecting market data
- G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR

## Abstract

Systems, methods, means, computer program code and computerized processes include receiving a first set of de-identified transaction data from a first transaction data source, receiving a second set of de-identified transaction data from a second transaction data source, filtering the first and second sets of de-identified transaction data to identify transactions associated with at least a first entity and to create first and second filtered data sets, removing data associated with an identifier field for each of the transactions in the first filtered data set to created a de-identified first data set, removing data associated with an identifier field for each of the transactions in the second filtered data set to create a de-identified second data set, and processing the first and second de-identified data sets using a probabilistic engine to establish a linkage between data in each data set.

## Claims

### Claim 1

A computerized method, comprising:
receiving a first set of de-identified transaction data from a first transaction data source, the first set of de-identified transaction data having all personally identifiable information removed therefrom;
receiving a second set of de-identified transaction data from a second transaction data source, the second set of de-identified transaction data having all personally identifiable information removed therefrom;
filtering said first and second sets of de-identified transaction data to identify transactions in each of said first and second sets of de-identified transaction data associated with at least a first entity and to create first and second filtered data sets including the identified transactions;
removing data associated with an identifier field for each of said transactions in said first filtered data set to create a de-identified first data set;
removing data associated with an identifier field for each of said transactions in said second filtered data set to create a de-identified second data set; and
processing said first and second de-identified data to establish a linkage between data in each data set.

### Claim 2 (depends on 1)

The method of claim 1, further comprising:
performing a pattern analysis of said data in said first and second filtered data sets to identify a frequency of transactions in said filtered data sets.

### Claim 3 (depends on 1)

The method of claim 1, wherein said removing data associated with an identifier field for each of said transactions in said first data set further includes:
creating a first lookup table including said data associated with said identifier field.

### Claim 4 (depends on 1)

The method of claim 1, wherein said removing data associated with an identifier field for each of said transactions in said second data set further includes:
creating a second lookup table including said data associated with said identifier field.

### Claim 5 (depends on 1)

The method of claim 1, further comprising:
generating at least a first report based on said linkage data using a reporting engine.

### Claim 6 (depends on 1)

The method of claim 1, wherein said first transaction data source is a merchant.

### Claim 7 (depends on 1)

The method of claim 1, wherein said second transaction data source is a payment network.

### Claim 8 (depends on 1)

The method of claim 1, wherein said first transaction data source is a merchant and said filtering includes filtering to identify transactions associated with said merchant.

### Claim 9

A non-transitory medium having program instructions stored thereon, the medium comprising:
instructions to receive a first set of de-identified transaction data from a first transaction data source, the first set of de-identified transaction data having all personally identifiable information removed therefrom;
instructions to receive a second set of de-identified transaction data from a second transaction data source, the second set of de-identified transaction data having all personally identifiable information removed therefrom;
instructions to filter said first and second sets of de-identified transaction data to identify transactions in each of said first and second sets of de-identified transaction data associated with at least a first entity and to create first and second filtered data sets including the identified transactions;
instructions to remove data associated with an identifier field for each of said transactions in said first filtered data set to create a de-identified first data set;
instructions to remove data associated with an identifier field for each of said transactions in said second filtered data set to create a de-identified second data set; and
instructions to process said first and second de-identified data sets to establish a linkage between data in each data set.

### Claim 10 (depends on 9)

The medium of claim 9, further comprising:
instructions to perform a pattern analysis of said data in said first and second filtered data sets to identify a frequency of transactions in said filtered data sets.

### Claim 11 (depends on 9)

The medium of claim 9, wherein said instructions to remove data associated with an identifier field for each of said transactions in said first data set further includes:
instructions to create a first lookup table including said data associated with said identifier field.

### Claim 12 (depends on 9)

The medium of claim 9, wherein said instructions to remove data associated with an identifier field for each of said transactions in said second data set further includes:
instructions to create a second lookup table including said data associated with said identifier field.

### Claim 13 (depends on 9)

The medium of claim 9, further comprising:
instructions to generate at least a first report based on said linkage data using a reporting engine.

### Claim 14 (depends on 9)

The medium of claim 9, wherein said first transaction data source is a merchant.

### Claim 15 (depends on 9)

The medium of claim 9, wherein said second transaction data source is a payment network.

### Claim 16 (depends on 9)

The medium of claim 9, wherein said first transaction data source is a merchant and said filtering includes filtering to identify transactions associated with said merchant.