SOCIOFINANCIAL SYSTEMS AND METHODS
First Claim
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1. A method comprising:
- encoding a plurality of trust relationships as a graph including a plurality of vertices and a plurality of edges, each one of the vertices representing an entity and each one of the edges representing a discrete trust relationship, at least one of the discrete trust relationships including a dollar amount that an associated entity will guarantee; and
evaluating the graph to obtain a lending decision.
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Abstract
Embodiments of the present invention provide improved ways for lenders, creditors, and intermediaries to extend credit to borrowers, debtors, and intermediaries. A sociofinancial graph that encodes financial trust relationships between lenders, creditors, borrower, debtors, and intermediaries. Social networking websites can be used to construct the sociofinancial graph, with or without the use of credit scores.
163 Citations
24 Claims
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1. A method comprising:
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encoding a plurality of trust relationships as a graph including a plurality of vertices and a plurality of edges, each one of the vertices representing an entity and each one of the edges representing a discrete trust relationship, at least one of the discrete trust relationships including a dollar amount that an associated entity will guarantee; and evaluating the graph to obtain a lending decision. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12)
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13. A computer program product comprising computer executable code embodied in a computer readable medium that, when executing on one or more computing devices, performs the steps of:
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encoding a plurality of trust relationships as a graph including a plurality of vertices and a plurality of edges, each one of the vertices representing an entity and each one of the edges representing a discrete trust relationship, at least one of the discrete trust relationships including a dollar amount that an associated entity will guarantee; and evaluating the graph to obtain a lending decision. - View Dependent Claims (14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24)
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Specification