Authorization and authentication based on an individual's social network
First Claim
Patent Images
1. A method comprising:
- receiving, by one or more computing systems, a request for a first user to access a loan from a lender, the request identifying a user identifier (ID) of the first user;
determining, by one or more computing devices, whether the first user is authorized to access the loan based at least in part on a gray list comprising user IDs of the users who are not authorized to access loans, wherein the gray list is based on a black list; and
permitting, by one or more computing devices, the loan to be accessed by the first user if the first user is authorized to access the loan based on the gray list.
1 Assignment
0 Petitions
Accused Products
Abstract
In particular embodiments, a method includes receiving a request for a first user to access a loan from a lender, the request identifying a user identifier (ID) of the first user; determining whether the first user is authorized to access the loan based at least in part on a gray list comprising user IDs of the users who are not authorized to access loans, wherein the gray list is based on a black list; and permitting the loan to be accessed by the first user if the first user is authorized to access the loan based on the gray list.
-
Citations
15 Claims
-
1. A method comprising:
-
receiving, by one or more computing systems, a request for a first user to access a loan from a lender, the request identifying a user identifier (ID) of the first user; determining, by one or more computing devices, whether the first user is authorized to access the loan based at least in part on a gray list comprising user IDs of the users who are not authorized to access loans, wherein the gray list is based on a black list; and permitting, by one or more computing devices, the loan to be accessed by the first user if the first user is authorized to access the loan based on the gray list. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14)
-
-
15. A service provider system comprising:
- one or more processors; and
one or more servers having a memory storing computer-executable instructions that when executed by one or more of the processors cause the processors to;receive a request for a first user to access a loan from a lender, the request identifying a user identifier (ID) of the first user; determine whether the first user is authorized to access the loan based at least in part on a gray list comprising user IDs of the users who are not authorized to access loans, wherein the gray list is based on a black list; and permit the loan to be accessed by the first user if the first user is authorized to access the loan based on the gray list.
- one or more processors; and
Specification