Social network risk analysis
First Claim
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1. A method comprising:
- using a processor associated with a computing device, generating a social network graph for a user using data received from a server hosting a social network website, wherein the social network graph connects the user to a plurality of other users based on at least one characteristic;
receiving, from the user, a response to a request for data regarding a skill of another user of the plurality of other users,using the processor, analyzing the social network graph and the response from the user to determine risk associated with insuring the user and the other user; and
using the processor and based upon the determined risk, determining a rate for insuring the user and a rate for insuring the other user.
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Abstract
An enhanced social network module associated with an entity may create a social network for an individual, group, and/or organization. The module may then use the social network to determine risk associated with insuring a member of the social network. The determined risk may be used to calculate a rate for insuring the member. Additional features of the module may allow for the calculation of a group rate for insuring all members of the social network, the calculation of various centrality measures for each member of the social network, the calculation of a trust score for any given member, and the ability to poll members of the social network to determine various characteristics of any given member.
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Citations
20 Claims
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1. A method comprising:
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using a processor associated with a computing device, generating a social network graph for a user using data received from a server hosting a social network website, wherein the social network graph connects the user to a plurality of other users based on at least one characteristic; receiving, from the user, a response to a request for data regarding a skill of another user of the plurality of other users, using the processor, analyzing the social network graph and the response from the user to determine risk associated with insuring the user and the other user; and using the processor and based upon the determined risk, determining a rate for insuring the user and a rate for insuring the other user. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14)
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15. An apparatus comprising:
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a processor; and a memory storing computer-readable instructions that, when executed by the processor, cause the processor to perform a method comprising; generating a social network graph for a user using data received from a server hosting a social network website, wherein the social network graph connects the user to a plurality of other users based on at least one characteristic; receiving, from the user, a response to a request for data regarding a skill of another user of the plurality of other users, analyzing the social network graph and the response from the user to determine risk associated with insuring the user and the other user; and based upon the determined risk, determining a rate for insuring the user and a rate for insuring the other user. - View Dependent Claims (16, 17, 18)
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19. Non-transitory computer-readable media storing instructions that, when executed by a processor, cause the processor to perform a method comprising:
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generating a social network graph for a user using data received from a server hosting a social network website, wherein the social network graph connects the user to a plurality of other users based on at least one characteristic; receiving, from the user, a response to a request for data regarding a skill of another user of the plurality of other users, analyzing the social network graph and the response from the user to determine risk associated with insuring the user and the other user; and based upon the determined risk, determining a rate for insuring the user and a rate for insuring the other user. - View Dependent Claims (20)
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Specification