Authorization and Authentication Based on an Individual's Social Network

摘要

In particular embodiments, a method includes receiving a request for a first user to access a loan from a lender, the request identifying a user identifier (ID) of the first user; determining whether the first user is authorized to access the loan based at least in part on a gray list comprising user IDs of the users who are not authorized to access loans, wherein the gray list is based on a black list; and permitting the loan to be accessed by the first user if the first user is authorized to access the loan based on the gray list.

主权项

1. A method comprising:
receiving, by one or more computing systems, a request for a first user to access a loan from a lender, the request identifying a user identifier (ID) of the first user; determining, by one or more computing devices, whether the first user is authorized to access the loan based at least in part on a gray list comprising user IDs of the users who are not authorized to access loans, wherein the gray list is based on a black list; and permitting, by one or more computing devices, the loan to be accessed by the first user if the first user is authorized to access the loan based on the gray list.