REPUTATION SCORING AND REPORTING SYSTEM

• US 20100114744A1
• Filed: 10/30/2008
• Published: 05/06/2010
• Est. Priority Date: 10/30/2008
• Status: Active Grant

• Current Assignee: TeleSign Corporation (Government of Belgium)
• Original Assignee: Metro Enterprises, Inc.
• Inventors: Gonen, Shlomo
• Granted Patent: US 8,117,106 B2
• Time in Patent Office: Days
• US Class Current: 705/35
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G06Q 40/03 Credit; Loans; Processing thereof
• CPC Class Codes: G06Q 40/04 Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
• CPC Class Codes: G06Q 40/06 Asset management; Financial planning or analysis

Abstract

The reputation scoring and reporting system for accounts associated with telephone numbers and maintained in an electronic database includes processing a request for a reputation report corresponding to an account in the database. The request is authenticated via the telephone number associated with the account. A reputation report is then sent to a subscriber in response to an authenticated request. In return, transaction information between the subscriber and entity is associated with the account in the electronic database. The reputation score for the account is calculated in real-time based on the transaction information stored in the electronic database.

Claims

1. A reputation scoring and reporting system for accounts associated with telephone numbers and maintained in an electronic database, comprising the steps of:

processing a request for a reputation report corresponding to an account in the database;

authenticating the request via the telephone number associated with the account;

sending the reputation report to a subscriber in response to an authenticated request;

associating transaction information with the account in the electronic database; and

recalculating a reputation score for the account.

2. The system of claim 1, wherein the authenticating step includes the step of transferring an authentication code.

3. The system of claim 2, wherein the transferring step includes the step of sending the authentication code to a telephone associated with the telephone number or receiving the authentication code from the telephone.

4. The system of claim 3, wherein the sending step includes the step of calling, recording a voicemail, or sending a text message, an SMS message or an email to the telephone.

5. The system of claim 3, wherein the receiving step includes the step of automatically sensing the telephone number by a caller ID system, an automatic number identification system, or a private branch exchange system.

6. The system of claim 2, wherein the transferring step includes the step of displaying the authentication code on a webpage.

7. The system of claim 1, including the steps of:

fielding an account application, the application including the telephone number;

verifying the application via the telephone number; and

forming the account in the database in response to a verified application.

8. The system of claim 1, including the step of flagging negative information in the reputation report.

9. The system of claim 1, including the step of affiliating multiple telephone numbers with the account for calculating the reputation score.

10. The system of claim 1, including recalculating the reputation score in real-time.

11. The system of claim 1, wherein the transaction information comprises automatic numerical feedback or manual written feedback.

12. The system of claim 1, wherein the reputation report comprises a reputation score, a fractional score, an aggregate score, or a baseline score.

13. The system of claim 1, wherein the account comprises financial information and non-financial information.

14. The system of claim 13, wherein the non-financial information comprises a peer rating, a criminal history background, a public document, or a feedback score.

15. The system of claim 1, including the step of aggregating transaction information in the account from multiple subscribers.

16. The system of claim 1, including the step of registering a plurality of entities with the account associated with the telephone number.

17. A reputation scoring and reporting system for accounts associated with telephone numbers and maintained in an electronic database, comprising the steps of:

fielding an account application, the application including a telephone number;

verifying the application via the telephone number;

forming the account in the database in response to a verified application;

processing a request for a reputation report corresponding to the account in the database;

authenticating the request with an authentication code via the telephone number associated with the account;

transmitting the authentication code to a telephone associated with the telephone number or receiving the authentication code from the telephone;

sending the reputation report to a subscriber in response to an authenticated request;

associating transaction information with the account in the electronic database; and

recalculating a reputation score for the account.

18. The system of claim 17, wherein the transmitting step includes the step of calling, recording a voicemail, or sending a text message, an SMS message or an email to the telephone.

19. The system of claim 17, wherein the receiving step includes the step of automatically sensing the telephone number by a caller ID system, an automatic number identification system, or a private branch exchange system.

20. The system of claim 17, wherein the authenticating step includes the step of displaying the authentication code on a webpage.

21. The system of claim 17, including the step of flagging negative information in the reputation report.

22. The system of claim 17, including the step of affiliating multiple telephone numbers with the account for calculating the reputation score.

23. The system of claim 17, including recalculating the reputation score in real-time.

24. The system of claim 17, wherein the transaction information comprises automatic numerical feedback or manual written feedback.

25. The system of claim 17, wherein the reputation report comprises a reputation score, a fractional score, an aggregate score, or a baseline score.

26. The system of claim 17, wherein the account comprises financial information and non-financial information.

27. The system of claim 26, wherein the non-financial information comprises a peer rating, a criminal history background, a public document, or a feedback score.

28. The system of claim 17, including the step of aggregating transaction information in the account from multiple subscribers.

29. A reputation scoring and reporting system for accounts associated with telephone numbers and maintained in an electronic database, comprising the steps of:

fielding an account application, the application including a telephone number;

verifying the application via the telephone number;

forming the account in the database in response to a verified application,

wherein the account comprises financial information and non-financial information;

processing a request for a reputation report corresponding to the account in the database;

authenticating the request with an authentication code via the telephone number associated with the account;

transmitting the authentication code to a telephone by calling, recording a voicemail, or sending a text message, an SMS message or an email to a telephone associated with the telephone number, or receiving the authentication code from the telephone and automatically sensing the telephone number by a caller ID system, an automatic number identification system, or a private branch exchange system;

sending the reputation report to a subscriber in response to an authenticated request;

flagging negative information in the reputation report;

associating transaction information with the account in the electronic database, wherein the transaction information comprises automatic numerical feedback or manual written feedback; and

recalculating a reputation score for the account in real-time.