Abstract
A computer-implemented method for aggregating and managing credit worthiness of a community including: selecting, with at least one processor, a group of individuals from the community; generating, with at least one processor, an individual risk score for each individual of the group based on individual data; generating, with at least one processor, a relational risk score for each individual of the group based at least partially on relational data; determining, with at least one processor, a weighted individual risk score and a weighted relational risk score based on a weighing parameter; generating, with at least one processor, a multi-party risk score for the community based on the weighted individual and relational risk scores; and determining, with at least one processor, based on the multi-party risk score, at least one line of credit for an individual of the group or community, the group, the community, or any combination thereof.
Creative Commons License
This work is licensed under a Creative Commons Attribution 4.0 License.
Recommended Citation
YORK, JOSEPH; KURLAS, NICHOLAS; CHATKIN, SAMANTHA; and ZARKO, ANASTASIYA, "METHODS AND SYSTEMS TO USE RELATIONAL DATA TO ASSESS GROUP CREDIT WORTHINESS", Technical Disclosure Commons, (July 21, 2020)
https://www.tdcommons.org/dpubs_series/3443