Learning an entity's trust model and risk tolerance to calculate a risk score
DCFirst Claim
1. A method for adjusting, for a requesting entity, a trust score for a second entity, the method comprising:
- determining, using processing circuitry, a baseline trust score for the second entity;
receiving data about the requesting entity from a first remote source, wherein the received data comprises text data about the requesting entity;
retrieving, from a database, a file indicating one or more trusting keywords;
comparing the text data to the one or more trusting keywords to determine whether the text data contains the one or more trusting keywords;
in response to determining that the text data contains the one or more trusting keywords, calculating a trusting adjustment score for the requesting entity based on the received data from the first remote source;
determining an adjusted trust score for the second entity by combining the trusting adjustment score and the baseline trust score for the second entity; and
transmitting to the requesting entity an indication of the adjusted trust score.
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Abstract
Systems and methods are described herein for learning an entity'"'"'s trust model and risk tolerance. An entity'"'"'s trust score may be calculated based on data from a variety of data sources, and this data may be combined according to a set of weights which reflect an entity'"'"'s trust model and risk tolerance. For example, an entity may weight data of a certain type more heavily for certain types of transactions and another type of data more heavily for other transactions. By gathering data about the entity, a system may predict the entity'"'"'s trust model and risk tolerance and adjust the set of weights accordingly for calculating trust scores. Furthermore, by monitoring how entities adjust weights for different transaction types, default weighting profiles may be created that are customized for specific transaction types. As another example, an entity'"'"'s trust score, as reported to a requesting entity, may be adjusted based on that requesting entity'"'"'s own trust model, or how “trusting” the requesting entity is.
178 Citations
22 Claims
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1. A method for adjusting, for a requesting entity, a trust score for a second entity, the method comprising:
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determining, using processing circuitry, a baseline trust score for the second entity; receiving data about the requesting entity from a first remote source, wherein the received data comprises text data about the requesting entity; retrieving, from a database, a file indicating one or more trusting keywords; comparing the text data to the one or more trusting keywords to determine whether the text data contains the one or more trusting keywords; in response to determining that the text data contains the one or more trusting keywords, calculating a trusting adjustment score for the requesting entity based on the received data from the first remote source; determining an adjusted trust score for the second entity by combining the trusting adjustment score and the baseline trust score for the second entity; and transmitting to the requesting entity an indication of the adjusted trust score. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11)
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12. A system for adjusting, for a requesting entity, a trust score for a second entity, the system comprising:
processing circuitry configured to; determine a baseline trust score for the second entity; receive data about the requesting entity from a first remote source, wherein the received data comprises text data about the requesting entity; retrieving, from a database, a file indicating one or more trusting keywords; comparing the text data to the one or more trusting keywords to determine whether the text data contains the one or more trusting keywords; in response to determining that the text data contains the one or more trusting keywords, calculate a trusting adjustment score for the requesting entity based on the received data from the first remote source; determine an adjusted trust score for the second entity by combining the trusting adjustment score and the baseline trust score for the second entity; and transmit to the requesting entity an indication of the adjusted trust score. - View Dependent Claims (13, 14, 15, 16, 17, 18, 19, 20, 21, 22)
Specification