TRUST BASED TRANSACTION SYSTEM

摘要

A method for applying graphs to determine creditworthiness is discussed. The method 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 first user'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 active edges from the first node to first nodes, and on number of revoked edges from the first node to second nodes. Active edges correspond to edges between the first node and first nodes, revoked edges correspond to edges between the first node and second nodes that were removed prior to receipt of the request. Creditworthiness of the transaction is determined based on the risk score and active user ratio.

主权项

1. A method performed for applying graphs to determine transaction creditworthiness, the method comprising:
receiving a request for a new transaction between a first user and a second user of a plurality of users; accessing a graph that maps trusted relationships between the plurality of users, the graph with a plurality of nodes connected by a plurality of directed edges indicating types of the trusted relationships between the first user and other users; accessing a first node in the graph to access a risk score of the first user, the first node associated with the first user, the risk score determined by accessing weights of active edges from the first node to a first subset of other nodes in the graph, the other nodes associated with the other users, the active edges corresponding to directed edges connecting the first node and nodes of the first subset; determining, based on the graph, an active user ratio of the first user based on a number of active edges and a number of revoked edges from the first node to a second subset of the other nodes in the graph, the revoked edges corresponding to directed edges, between the first node and nodes of the second subset, that were removed prior to the receiving of the request; and determining a creditworthiness score of the new transaction based on the risk score and the active user ratio of the first user.