专利名称：TRUST BASED TRANSACTION SYSTEM发明人：Andrew Kortina,Samuel Lessin,lqram
Magdon-Ismail
申请号：US15374979申请日：20161209
公开号：US20170124645A1公开日：20170504
专利附图：
摘要：A method for applying graphs to determine creditworthiness is discussed. Themethod includes receiving a request for a transaction between a first and a second user.The method accesses a graph with directed edges between nodes, the directed edges
indicating trusted relationships between users. First node is accessed to determine firstuser's risk score using weighted edges between the first node and other nodes(associated with other users). Active user ratio is determined based on number of activeedges from the first node to first nodes, and on number of revoked edges from the firstnode to second nodes. Active edges correspond to edges between the first node andfirst nodes, revoked edges correspond to edges between the first node and secondnodes that were removed prior to receipt of the request. Creditworthiness of thetransaction is determined based on the risk score and active user ratio.
申请人：PAYPAL, INC.
地址：San Jose CA US
国籍：US
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