FRAUD RISK SCORE USING LOCATION INFORMATION WHILE PRESERVING PRIVACY OF THE LOCATION INFORMATION
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United States of America Patent
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Issued Date -
Feb 23, 2017
app pub date -
Aug 21, 2015
filing date -
Aug 21, 2015
priority date (Note) -
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status (Latency Note)
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Abstract
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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