Abstract: A method for linking payment accounts includes: storing a plurality of account profiles, each profile including data related to a payment account including an account number and account data; encrypting the account number included in each account profile using a method of encryption to obtain an encrypted account number; receiving account linkage data, the data including a plurality of encrypted account identifiers, each identifier being indicated as being linked to another identifier, and each identifier being encrypted using the method of encryption; matching each of the encrypted account identifiers to an encrypted account number; and updating one or more account profiles to indicate a link to another account profile where the encrypted account number included in the profile being updated matches an encrypted account identifier that is indicated as being linked to an encrypted account identifier that matches the encrypted account number included in the other profile.

Abstract: Systems and methods are described for anonymizing personal information of consumers in a manner that protects against de-anonymization by a third party. In an embodiment, a system includes a data anonymizing subsystem and a payment transaction subsystem. A data preparation engine of the data anonymizing subsystem receives, from the payment transaction subsystem, consumer transaction data comprising personal information of a plurality of consumers and item identifiers, prepares the consumer transaction data and transmits the prepared consumer transaction data to an anonymization engine which receives and anonymizes the prepared consumer transaction data. In particular, the anonymization engine groups consumers associated with the prepared consumer transaction data into a plurality of consumer groups, quantifies a similarity between the plurality of consumer groups, combines the plurality of consumer groups, and discards all the consumer groups that contain less than a threshold number of consumers.

Abstract: A method for double anonymization of data includes: receiving, by a first computing system, a plurality of first data sets, each including a set identifier and personally identifiable information; anonymizing, by the first computing system, each of the first data sets, by hashing the set identifier included in each first data set to obtain a hashed identifier and deidentifying the personally identifiable information; transmitting, by the first computing system, the plurality of anonymized first data sets to a second computing system, wherein the second computing system is distinct and separate from the first computing system; anonymizing, by the second computing system, each of the anonymized first data sets, by hashing the hashed identifier to obtain a double-hashed identifier; and storing, in the second computing system or a third separate and distinct computing system, the plurality of double anonymized first data.

Abstract: A method for linking payment accounts includes: storing a plurality of account profiles, each profile including data related to a payment account including an account number and account data; encrypting the account number included in each account profile using a method of encryption to obtain an encrypted account number; receiving account linkage data, the data including a plurality of encrypted account identifiers, each identifier being indicated as being linked to another identifier, and each identifier being encrypted using the method of encryption; matching each of the encrypted account identifiers to an encrypted account number; and updating one or more account profiles to indicate a link to another account profile where the encrypted account number included in the profile being updated matches an encrypted account identifier that is indicated as being linked to an encrypted account identifier that matches the encrypted account number included in the other profile.

Abstract: A method for automated payment of tax for payment transactions includes: receiving transaction messages related to payment transactions involving a merchant including a transaction amount and a merchant identifier; identifying a tax authority having jurisdiction over each payment transaction; identifying a tax amount for each of the plurality of transaction messages based on the transaction amount stored in the respective transaction message; identifying a tax identification number for the merchant based on the transaction messages; and initiating settlement of a settlement amount to a transaction account associated with the merchant, wherein the settlement amount is based on a combination of the transaction amounts included in each of the plurality of transaction messages less a combination of the identified tax amounts for the at least one tax authorities for each of the plurality of transaction messages.

Abstract: A method for inferring a merchant geolocation includes: storing a plurality of transaction data entries, each including an account identifier, merchant identifier, and transaction time; storing a plurality of merchant profiles, each including a merchant identifier and geolocation; identifying a first set of transaction data entries, each entry including a common merchant identifier; identifying a second set of transaction data entries, each entry including a different merchant identifier corresponding to a merchant within a predetermined distance of a merchant corresponding to the common merchant identifier; transmitting an identification value associated with each transaction data entry in the first and second sets; receiving geolocation data entries for each identification value, each entry including a location time and geolocation; and identifying an updated merchant geolocation for the merchant corresponding to the common merchant identifier based on the geolocation included in geolocation entries that ma

Abstract: A method for double anonymization of data includes: receiving, by a first computing system, a plurality of first data sets, each including a set identifier and personally identifiable information; anonymizing, by the first computing system, each of the first data sets, by hashing the set identifier included in each first data set to obtain a hashed identifier and deidentifying the personally identifiable information; transmitting, by the first computing system, the plurality of anonymized first data sets to a second computing system, wherein the second computing system is distinct and separate from the first computing system; anonymizing, by the second computing system, each of the anonymized first data sets, by hashing the hashed identifier to obtain a double-hashed identifier; and storing, in the second computing system or a third separate and distinct computing system, the plurality of double anonymized first data.

Abstract: A method for combining disparate data sets using dynamic de-identifiers includes: receiving a first data set from a first external entity, the data set including first data entries including attribute values, and wherein the first data set does not include any personally identifiable information; receiving a second data set from a second external entity, the data set including second data entries including attribute values, and wherein the second data set does not include any personally identifiable information; identifying a dynamic de-identifier (DDID) for each first data entry and second data entry; matching each second data entry to a first data entry based on a correspondence between the associated attribute values; identifying insights for at least one first data entry based on at least the attribute values included in the corresponding matched second data entry; and transmitting at least the identified insights to the first external entity.

Abstract: A system, method, and computer-readable storage medium configured to maintain account continuity when payment account numbers change.

Abstract: A method for combining disparate data sets using dynamic de-identifiers includes: receiving a first data set from a first external entity, the data set including first data entries including attribute values, and wherein the first data set does not include any personally identifiable information; receiving a second data set from a second external entity, the data set including second data entries including attribute values, and wherein the second data set does not include any personally identifiable information; identifying a dynamic de-identifier (DDID) for each first data entry and second data entry; matching each second data entry to a first data entry based on a correspondence between the associated attribute values; identifying insights for at least one first data entry based on at least the attribute values included in the corresponding matched second data entry; and transmitting at least the identified insights to the first external entity.

Abstract: Systems and methods are described that anonymized consumer transaction data in such manner to prevent de-anonymization to reveal personally identifiable information (PII) of the consumers. The process includes selecting particular consumer transaction data, generating a dictionary of items, generating consumer groups, matching consumer transaction data for each consumer to a group, forming modifiable consumer transaction histories, and quantifying a similarity between consumer groups. In some embodiments, the process includes discarding consumer groups that contain less than a threshold number of consumers, selecting at least one consumer group that contains at least a threshold number of consumers as the anonymized consumer transaction dataset, and providing the anonymized consumer transaction dataset to a third party for analysis.

Abstract: A method for linking payment accounts includes: storing a plurality of account profiles, each profile including data related to a payment account including an account number and account data; encrypting the account number included in each account profile using a method of encryption to obtain an encrypted account number; receiving account linkage data, the data including a plurality of encrypted account identifiers, each identifier being indicated as being linked to another identifier, and each identifier being encrypted using the method of encryption; matching each of the encrypted account identifiers to an encrypted account number; and updating one or more account profiles to indicate a link to another account profile where the encrypted account number included in the profile being updated matches an encrypted account identifier that is indicated as being linked to an encrypted account identifier that matches the encrypted account number included in the other profile.

Abstract: A method for inferring a merchant geolocation includes: storing a plurality of transaction data entries, each including an account identifier, merchant identifier, and transaction time; storing a plurality of merchant profiles, each including a merchant identifier and geolocation; identifying a first set of transaction data entries, each entry including a common merchant identifier; identifying a second set of transaction data entries, each entry including a different merchant identifier corresponding to a merchant within a predetermined distance of a merchant corresponding to the common merchant identifier; transmitting an identification value associated with each transaction data entry in the first and second sets; receiving geolocation data entries for each identification value, each entry including a location time and geolocation; and identifying an updated merchant geolocation for the merchant corresponding to the common merchant identifier based on the geolocation included in geolocation entries that ma