Trust score investigation

Patent metadata

Field	Value
Publication number	US-12547303-B2
Application number	US-202418667750-A
Country	US
Kind code	B2
Filing date	May 17, 2024
Priority date	Dec 30, 2015
Publication date	Feb 10, 2026
Grant date	Feb 10, 2026

Abstract

A system and method for investigating trust scores. A trust score is calculated based on peer transfers, a graphical user interface displays actuatable elements associated with a first peer transfer from the peer transfers, in response to receiving an indication the first actuatable element has been actuated, recalculating the trust score without the first peer transfer.

First claim

What is claimed is:

1 . A method, comprising:
accessing a request from a first user to engage in a particular electronic activity; accessing an electronic database that contains engagement information pertaining to a plurality of users that include the first user and one or more second users; generating a graphical user interface (GUI) based on the engagement information, wherein the GUI is displayable via an electronic device and illustrates a graphical representation of a plurality of previous engagements among a subset of users of the plurality of users; determining, based on information extracted from the GUI, a risk associated with the first user engaging in the particular electronic activity; and automatically granting the request when the determining indicates that the risk is less than a specified threshold.

2 . The method of claim 1 , wherein the GUI includes one or more actuatable elements that, when actuated, causes a subset of the previous engagements that do not directly involve the first user to be hidden when the GUI is provided for display.

3 . The method of claim 1 , wherein:
the graphical representation comprises a map containing a plurality of nodes interconnected by a plurality of interconnection elements; the plurality of nodes represent the subset of users; and the plurality of interconnection elements represent the plurality of previous engagements.

4 . The method of claim 3 , wherein:
the plurality of nodes comprise a first node representing the first user; and the first node has a different visual characteristic than a rest of the plurality of nodes.

5 . The method of claim 3 , wherein:
the plurality of previous engagements comprise a transaction event involving multiple users of the subset of users; and the transaction event is represented in the map by a boundary within which nodes corresponding to the multiple users are located.

6 . The method of claim 3 , wherein:
the plurality of previous engagements comprise peer-to-peer transfers between the subset of users; and the plurality of interconnection elements connecting respective users of the subset of users directly involved in a respective one of the peer-to-peer transfers.

7 . The method of claim 6 , wherein a size of the interconnection elements is correlated with an amount of the peer-to-peer transfers between the users interconnected by the interconnection elements.

8 . The method of claim 6 , wherein a direction of the interconnection elements is correlated with a directionality of the peer-to-peer transfers between the users interconnected by the interconnection elements.

9 . The method of claim 3 , wherein each node of the plurality of nodes is displayed in association with an identifier that is generated by a random number generator.

10 . The method of claim 1 , wherein the particular electronic activity comprises a loan or a credit for the first user, and wherein the determining comprises calculating a score corresponding to a risk of the first user defaulting on the loan or the credit.

11 . The method of claim 1 , wherein the GUI illustrates the subset of users anonymously.

12 . A system, comprising:
one or more hardware processors; and a non-transitory computer-readable medium having stored thereon instructions that are executable by the one or more hardware processors to cause the system to perform operations comprising:
accessing an electronic database that contains transactions conducted among a plurality of users;
accessing a graphical user interface (GUI) that is generated based on the transactions, wherein the GUI contains graphical information that represents relationships among the plurality of users based on previous transactions that have been conducted among the plurality of users;
evaluating, based on the GUI, a risk of conducting a further transaction with a given one of the plurality of users; and
automatically facilitating the further transaction based on the evaluating indicating that the risk of conducting the further transaction is below a specified threshold.

13 . The system of claim 12 , wherein the GUI includes a plurality of nodes that are interconnected by a plurality of interconnection elements, wherein the plurality of nodes anonymously represents the plurality of users, and wherein the plurality of interconnection elements anonymously represents the transactions conducted between the respective nodes that are interconnected together by the interconnection elements, and wherein each interconnection element of the plurality of interconnection elements or each node of the plurality of nodes is actuatable when the GUI is displayed.

14 . The system of claim 13 , wherein:
any interconnection element of the plurality of interconnection elements, when actuated, causes the transactions represented by the actuated interconnection element to be filtered out by the GUI; or any node of the plurality of nodes, when actuated, causes all transactions conducted by the user that is represented by the actuated node to be filtered out by the GUI.

15 . The system of claim 13 , wherein the operations further comprise calculating a numeric score corresponding to the risk of conducting the further transaction, wherein the numeric score is automatically recalculated when any of the plurality of interconnection elements is actuated or when any of the plurality of nodes is actuated.

16 . The system of claim 13 , wherein at least a subset of the plurality of nodes are grouped together in the GUI by a visual mechanism, the visual mechanism representing a transaction event that involves all of the nodes in the subset.

17 . The system of claim 12 , wherein the transactions comprise peer-to-peer monetary lending or credit-extension transactions conducted among the plurality of users.

18 . A non-transitory machine-readable medium having stored thereon machine-readable instructions executable to cause a machine to perform operations comprising:
receiving a request from a first user to conduct a first peer-to-peer transaction; accessing a map that is generated based on a plurality of historical peer-to-peer transactions conducted among a plurality of users that include the first user, wherein the map visually represents an interconnected relationship among the plurality of users based on the plurality of historical peer-to-peer transactions; causing the map be displayed via an electronic device; providing, based on one or more inputs received via the map when the map is displayed, a risk assessment of conducting the first peer-to-peer transaction with the first user; and automatically enabling or disabling the first peer-to-peer transaction based on the risk assessment.

19 . The non-transitory machine-readable medium of claim 18 , wherein:
the map includes a plurality of nodes that are interconnected by a plurality of interconnection elements, each node of the plurality of nodes corresponding to a respective user of the plurality of users, each interconnection element of the plurality of interconnection elements corresponding to a respective historical peer-to-peer transaction of the plurality of historical peer-to-peer transactions; any given interconnection element of the plurality of interconnection elements, when actuated, causes the historical peer-to-peer transaction corresponding to the given interconnection element to be removed from the map and from the risk assessment; or any given node of the plurality of nodes, when actuated, causes all transactions conducted by the use

Assignees

• Paypal Inc

Inventors

• Grigoryan Alex
• Gangadharan Avinash
• Peshave Akshay
• Morgan Michael
• Howell Rhys

Classifications

• G06Q40/03

  Credit; Loans; Processing thereof · CPC title

• H04L63/105 Primary

  Multiple levels of security · CPC title

• G06Q20/4016

  involving fraud or risk level assessment in transaction processing · CPC title

• G06F3/04842 Primary

  Selection of displayed objects or displayed text elements (G06F3/0482 takes precedence) · CPC title