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SYSTEMS AND METHODS FOR USING ONLINE SOCIAL FOOTPRINT FOR AFFECTING LENDING PERFORMANCE AND CREDIT SCORING
SYSTEMS AND METHODS FOR USING ONLINE SOCIAL FOOTPRINT FOR AFFECTING LENDING PERFORMANCE AND CREDIT SCORING
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机译:使用在线社会足迹影响借贷绩效和信用评分的系统和方法
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摘要
The invention provides apparatuses computer media and methods for analyzing data gathered from the online social footprint and determining a credit score to facilitate access to financial services. A credit model is constructed to determine a credit score that is based on available personal data and data gathered from the online social footprint and is indicative of a borrower s propensity to pay an owed amount. The credit worthiness of an individual can also be affected by means such as endorsements or negative behavior of individuals in a borrower s social network. Corresponding apparatus systems programs for computers and communications mechanisms are also provided to gain access to financial services based upon at least one borrower s request criterion optimization of reputation in the borrower s online social footprint and performing a lending transaction.
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