13. The system of claim 10 , wherein first computing system further includes a transmitter configured to transmit at least the generated algorithm.
10. A system for maintaining consumer privacy in behavioral scoring, comprising: a first computing system; and a second computing system, wherein the first computing system includes a receiver configured to receive a plurality of account identifiers, and, for each account identifier, a corresponding first encrypted account identifier and corresponding disguised set of consumer characteristics from a second computing system, wherein the first encrypted account identifier is a produced via encryption of the corresponding account identifier using a first one-way encryption, and wherein the receiver of the first computing system is configured to encrypt each account identifier into a second encrypted account identifier using a second one-way encryption upon receipt, and a plurality of transaction data entries, wherein each transaction data entry includes data related to a payment transaction including at least a second encrypted account identifier and transaction data; and a processor configured to generate an algorithm configured to calculate a behavior prediction score corresponding to the behavior prediction request using disguised consumer characteristic values, wherein the generated algorithm is based on at least the transaction data included in each received transaction data entry and the disguised set of consumer characteristics mapped to the second encrypted account identifier included in the respective transaction data entry, and the first computing system does not receive any unencrypted account identifiers, any undisguised consumer characteristics, or any personally identifiable information.