FRAUD RISK SCORE USING LOCATION INFORMATION WHILE PRESERVING PRIVACY OF THE LOCATION INFORMATION

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United States of America Patent

APP PUB NO 20170053282A1
SERIAL NO

14831902

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Abstract

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Solutions that protect consumer location information yet still enable the use of such location information in the determination of fraud risk scores are provided. Cryptographic techniques of private information retrieval (PIR) and homomorphic encryption are used to protect consumer location information even as ii is used to enhance fraud risk scares. PIR is used to enable m issuer to retrieve non-specific location information using a consumer mobile number as the query criterion without needing to snare or disclose the mobile number with the service provider. Homomorphic encryption is used to protect location information of mobile consumers, while ensuring card issuers are only able to learn non-specific information about the location of the consumer.

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Patent Owner(s)

Patent OwnerAddress
PITNEY BOWES INC1 ELMCROFT ROAD STAMFORD CT 06926

International Classification(s)

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Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Olumofin, Femi Cupertino, US 9 7
Zhang, Jun Shelton, US 695 3556

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