System and method for generation and dissemination of anonymized identifier data

Abstract

Systems and methods are provided for allowing a merchant to provide a consumer with a real-time, personalized offer to execute a consumer transaction in response to evaluating that consumer's credential information. The consumer provides the credential information while, or just before, the consumer selects items to purchase from the website. The credential information provided by the consumer can be a compilation of different information associated with the consumer and may take the form of a score. According to one embodiment of the present invention, a merchant receives credential information relating to a consumer, while the consumer is at that merchant's website. The merchant evaluates the credential information while the consumer remains at the website and makes a real-time personalized offer of goods, services or pricing based at least in part on that evaluation.

1 . (canceled) 
     
     
         2 . A method to facilitate transfer of personal data of an individual to another party, the method comprising:
 initiating, by one or more processors, a request for anonymized identifier data;   receiving, by the one or more processors, the anonymized identifier data from a first device, where the anonymized identifier data includes a unique identifier corresponding to the individual and configured to maintain an anonymity of the individual; and   receiving, by the one or more processors and based on transmission of the personal data to a second device, digital media based on the personal data.   
     
     
         3 . The method of  claim 2 , where the anonymized identifier data comprises a digital certificate, and where the digital certificate includes validated personal information corresponding to the individual. 
     
     
         4 . The method of  claim 3 , where the validated personal information comprises a purchase history of the individual and shopping preferences of the individual, and where the digital certificate is encrypted. 
     
     
         5 . The method of  claim 2 , where second device comprises a computer system associated with a merchant store, and where the anonymized identifier data is encrypted when received from the first device. 
     
     
         6 . The method of  claim 5 , where the digital media indicates at least one of discounts associated with one or more products and customized offers for merchandise. 
     
     
         7 . The method of  claim 2 , where the initiating the request for the anonymized identifier data comprises accessing a website hosted by the first device. 
     
     
         8 . The method of  claim 2 , further comprising:
 receiving a prompt, from the second device associated with a merchant store, to connect a portable storage medium to the second device, where the portable storage medium is configured to submit the anonymized identifier data to the second device in exchange for the digital media; and   transferring, from the portable storage medium to the second device, the anonymized identifier data, where the anonymized identifier data corresponds to a digital certificate, where the digital certificate includes validated personal data of the individual, and where the second device is configured to use the validated personal data to determine a purchasing capacity corresponding to the individual.   
     
     
         9 . A device to facilitate transfer of personal data of an individual to another party, the device comprising:
 at least one processor; and   a memory coupled to the at least one processor, where the at least one processor is configured to:
 initiate acquisition of anonymized identifier data; 
 receive the anonymized identifier data from a first device, where the anonymized identifier data includes a unique identifier corresponding to the individual and configured to maintain an anonymity of the individual; and 
 receive, based on transmission of the personal data to a second device, digital media based on the personal data. 
   
     
     
         10 . The device of  claim 9 , where the personal data comprises information corresponding to the individual's residence, occupation, purchase history, shopping preferences, credit history, net worth, income tax information, or a combination thereof. 
     
     
         11 . The device of  claim 9 , where the at least one processor is configured to initiate the acquisition of the anonymized identifier data by accessing a website hosted by the first device. 
     
     
         12 . The device of  claim 9 , where the anonymized identifier data corresponds to a digital certificate, and where the unique identifier corresponds to a partial credit card number. 
     
     
         13 . The device of  claim 12 , where the digital certificate includes data indicative of a purchasing capacity of the individual. 
     
     
         14 . The device of  claim 9 , where the at least one processor is further configured to transfer, from a portable storage medium to the second device, the anonymized identifier data, and where the anonymized identifier data corresponds to a digital certificate. 
     
     
         15 . The device of  claim 14 , where the at least one processor is further configured to receive, from the second device, a prompt to connect a portable storage medium to the second device, where the portable storage medium is configured to submit the anonymized identifier data to the second device in exchange for the digital media, where the second device comprises a computing device associated with a merchant store, and where the digital media corresponds to a personalized communication from the merchant store. 
     
     
         16 . The device of  claim 15 , where the digital certificate includes validated personal data of the individual, and where the second device is configured to use the validated personal data to determine an analytic score or credit worthiness corresponding to the individual. 
     
     
         17 . A method to facilitate transfer of personal data of an individual to another party, the method comprising:
 receiving, by one or more processors from a user device associated with the individual, a request to acquire anonymized identifier data; and   initiating transmission, by the one or more processors, of the anonymized identifier data to the user device, where the anonymized identifier data includes a unique identifier corresponding to the individual and configured to maintain an anonymity of the individual, and where transmission, to the user device, of digital media is enabled based on receipt of the personal data of the individual by the one or more processors.   
     
     
         18 . The method of  claim 17 , the method further comprising receiving, by the one or more processors, the personal data of the individual, where the anonymized identifier data corresponds to a digital certificate, and where the digital certificate includes validated personal data of the individual. 
     
     
         19 . The method of  claim 18 , where the receiving the personal data of the individual comprises receiving the personal data of the individual from a plurality of second devices. 
     
     
         20 . The method of  claim 17 , where the digital media comprises personalized offers presented to the user device by a merchant device, and where the transmission, to the user device, of the digital media is enabled based on transfer of validated personal data included in the anonymized identifier data to the merchant device. 
     
     
         21 . The method of  claim 20 , where the personalized offers correspond to price discounts associated with one or more products, customer loyalty program membership, or a combination thereof.