US 12,314,447 B1
Systems and methods for candidacy determinations and request processing while maintaining user data anonymity
Kevin C. Wylie, Midlothian, VA (US); David Shapiro, Arlington, VA (US); SrinivasRao Alaparthi, Elk Grove Village, IL (US); Kerry G. Fulcher, Chesapeake, VA (US); Jorge Murillo, Midlothian, VA (US); Daljeet Singh Sarna, Aldie, VA (US); Martin W. Dewey, Sandy Hook, VA (US); Tony George, Clarksburg, MD (US); Manish Srivastava, Glen Allen, VA (US); Morgan Organt, Washington, DC (US); Susanne Edmunds, Henrico, VA (US); Benjamin Thomas Jones, Midlothian, VA (US); Kevin P. Gleaton, Lake Zurich, IL (US); Taylor Li, Cleveland, OH (US); Ramachandra Kancharla, Glen Allen, VA (US); Deepak Kumar Soni, Chantilly, VA (US); and Kaushik Vakharia, Naperville, IL (US)
Assigned to Capital One Services, LLC, McLean, VA (US)
Filed by Capital One Services, LLC, McLean, VA (US)
Filed on Aug. 13, 2024, as Appl. No. 18/802,673.
Application 18/802,673 is a continuation of application No. 18/443,591, filed on Feb. 16, 2024, granted, now 12,086,288.
Claims priority of provisional application 63/598,606, filed on Nov. 14, 2023.
This patent is subject to a terminal disclaimer.
Int. Cl. G06F 21/62 (2013.01); G06Q 40/03 (2023.01); G06Q 30/0251 (2023.01)
CPC G06F 21/6254 (2013.01) [G06Q 40/03 (2023.01); G06Q 30/0251 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A method performed by a first system for determining offer candidacy, the method comprising:
receiving, from a first data source, first external data of a user associated with a first identifier;
receiving, from a second data source, second external data of the user associated with a second identifier, wherein, based on information included within the first external data and the second external data, the first system is unable to identify the first external data and the second external data as data of the user;
receiving, from a second system knowing the first identifier, the second identifier, and identifying information of the user, a key that associates the first identifier, the second identifier, and a common identifier for the user generated by the second system to preserve an anonymity of the user at the first system;
generating, using the association of the first identifier and the second identifier provided by the key, consolidated external data for the user that (i) includes the first external data and the second external data and (ii) is associated with the common identifier;
providing, to the second system, non-anonymized third internal data of the user that includes at least a portion of the identifying information of the user known by the second system, wherein the second system uses the portion of the identifying information of the user to identify the common identifier for the user;
receiving, from the second system, an anonymized dataset including the third internal data and the common identifier but excluding the portion of the identifying information of the user;
generating, using the association of the consolidated external data with the common identifier and the common identifier included in the anonymized dataset, aggregated data that includes the consolidated external data and the third internal data from the anonymized dataset; and
processing the aggregated data to determine the user is a candidate for an offer set.