System and method for creating a secure trusted social network

• US 8,402,512 B2
• Filed: 02/24/2012
• Issued: 03/19/2013
• Est. Priority Date: 11/04/2004
• Status: Expired due to Fees

• Current Assignee: Topeer Corp.
• Original Assignee: Topeer Corp.
• Inventors: Tam, Chung Ming, Gill, Paramjit S., Gill, Barjinderpal S.
• Primary Examiner(s): SIMITOSKI, MICHAEL J
• Application Number:
  US13/404,361
• Publication Number:
  US 20120158577A1
• Time in Patent Office: 389 Days
• Field of Search: 726/3, 726/4, 726/28, 705/35, 705/38, 705/39, 705/319, 709/205
• US Class Current: 726/3
• CPC Class Codes: G06F 21/10 Protecting distributed programs or content, e.g. vending or licensing of copyrighted material protection in video systems or pay television H04N7/16 ; Digital rights management [DRM]
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions
• CPC Class Codes: G06Q 40/03 Credit; Loans; Processing thereof
• CPC Class Codes: G06Q 50/01 Social networking
• CPC Class Codes: H04L 63/08 for authentication of entities cryptographic mechanisms or cryptographic arrangements for entity authentication H04L9/32
• CPC Class Codes: H04L 63/104 Grouping of entities
• CPC Class Codes: H04L 67/104 Peer-to-peer [P2P] networks

Abstract

A system for a plurality of users to share resources with access, control and configuration based on pre-defined relationships of trust between the users of the system. A computer-based authority provides the services of authentication, identification and verification of each user within network. Processes are described that leads to the formation of an electronic community, which facilitates electronic communication and transactions in a defined manner.

Claims

1. A system for a first user to share a monetary resource with a plurality of other users in a secure social network comprising:

a plurality of software clients configured to interface said first user and said plurality of other users with one or more trusted servers, one or more banking servers, and one or more other computing devices in a network;

one or more trusted servers;

one or more communication means allowing communication between said one or more trusted servers, one or more banking servers, and said one or more software clients and/or between two or more software clients, wherein said trusted servers are configured to provide authentication, identification and verification of said first user and each user in said plurality of other users and to comprise a network interface;

a processing engine in communication with the network interface, said engine operable to associate each of said other users with a degree of separation between said first user and one or more said other users; and

a database configured to contain information relating to each of said other users, and wherein the degree of separation is representative of the number of pre-existing relationships of trust, as defined by said users, which link the first user and the one or more other users and wherein the system is configured such that access to a monetary resource of the first user by one or more other users is restricted to one or more users with a degree of separation from the first user that is specified by the first user, and wherein the system is also configured to grant a request to access the monetary resource by a subsequent user to the one or more other users if the subsequent user falls within the degree of separation from the first user that is specified by the first user, and wherein the banking server coordinates and manages the monetary resource interactions between the users according to pre-set rules.

2. A system as claimed in claim 1, wherein the system comprises one or more banking servers.

3. A system as claimed in claim 2, wherein the one or more banking server(s) of the system coordinate a borrower/lender relationship between one or more other users.

4. A system as claimed in claim 2, wherein the pre-set rules are input into at least one said banking server of the system by the one or more users with respect to their lending or borrowing preferences.

5. A system as claimed in claim 2, wherein at least one said banking server of the system verifies that monetary resources are correctly transferred into respective user accounts.

6. A system as claimed in claim 2, wherein at least one said banking server of the system maintains a profile history for one or more lenders and one or more borrowers with respect to attributes.

7. A system as claimed in claim 6, wherein the attributes are transactions, late payments, or loan delinquency.

8. A system as claimed in claim 2, wherein at least one said banking server of the system is configured to apply and/or enforce penalties upon loan delinquency.

9. A system as claimed in claim 1, wherein the coordination of monetary resource interactions includes the one or more banking server(s) coordinating a borrower/lender relationship between one or more other users.

10. A system as claimed in claim 1, wherein the pre-set rules are input into at least one said banking server by the one or more users with respect to their lending or borrowing preferences.

11. A system as claimed in claim 1, wherein the coordination and management of monetary resource interactions includes the at least one said banking server verifying that monetary resources are correctly transferred into respective user accounts.

12. A system as claimed in claim 1, wherein the coordination and management of monetary resource interactions includes the at least one said banking server maintaining a profile history for one or more lenders and one or more borrowers with respect to attributes.

13. A system as claimed in claim 12, wherein the attributes are transactions, late payments, or loan delinquency.

14. A system as claimed in claim 1, wherein for the coordination and management of monetary resource interactions the at least one said banking server is configured to apply and/or enforce penalties upon loan delinquency.