Bank of America Corporation

Robert L Abbott

Jason P Blackhurst

Alfred Hamilton

Frederick A Shahda

Embodiments of the invention include systems, methods, and computer-program products for anonymizing a user utilizing oblivious transfer. In this way, the invention establishes a common index to identify members of a population sample, anonymizes the identities of sample members to each party, and exchanges statistics and characteristics of the sample population. The invention creates a common searchable index and anonymizes the sample members of the database via encryption of identification of individual customers in each sample. Each encryption provides for a strong encryption with a key and a homomorphic encryption. The homomorphic encryption allows for multiplication and/or addition on ciphertexts that, once decrypted, match the result that would have occurred had the operations been carried out on the plaintext. In some embodiments, the encryption may be either partially- or fully-homomorphic cryptosystems.

System of anonymous user creation based on oblivious transfer

Anonymously providing purchasing analytics associated with customer to a website while the customer is accessing the website. Specifically, a financial institution, having access to a customer's transactional data, can analyze the data to determine analytical purchasing data. Once the customer authenticates themselves at a financial institution website, a networked application or the like, an anonymous cookie that is configured to identify the analytical purchasing data is generated and stored in the web browser cache. In response to the customer using the device to access a website that displays advertisements, the anonymous cookie is retrieved from the web browser cache and the analytical purchasing data is provided to the website. In specific embodiments of the invention, the website uses the analytical purchasing data of the customer to determine which of the plurality of advertisements are to be displayed to the customer while they visit the website.

Serving anonymous cookies associated with purchasing analytics

The tool to provide anonymous data in response to a request for information is configured to receiving a request for information relating to a population of interest from a user; determining criteria associated with the population of interest, wherein the criteria define an individual representative of the population of interest; determining a characteristic of the individual within one or more categories; classifying the characteristic of the individual into a cluster, the cluster comprising a subset of all possible outcomes for the category; classifying a plurality of individuals from a database into clusters based on the one or more categories; determining a subset of the plurality of individuals that are similar to the individual representative of the population of interest based on the clusters; transforming the characteristics of the individuals in the subset to generate anonymous data responsive to the request for information; and providing the anonymous data to the user.

Privacy fractal mirroring of transaction data

Systems, methods, and computer program products are provided for secure authentication of third-parties accessing a network system (e.g., a website or the like) through an intermediary entity (i.e., a trusted caller). A session token having a predetermined time-out period (i.e., an expiration time) is implemented in conjunction with a rotating key that is generated for each request and response pair associated with each call/interaction between the third-party entity and the network system. In this regard, the third-party entity must authenticate themselves each time they interact (i.e., call-in) into the network system by presenting the assigned session token and rotating key communicated in response to the previous interaction. As such hijacking of the third-party's network session with the network system is prevented by implementing tokens that expire, in unison with, encrypted rotating keys that are valid only until the next third-party call-in/interaction with the network entity.

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Charlotte, NC, United States of America

Robert L Abbott