The present disclosure provides a method and system which enables P2P payment application interfaces to access data required to calculate a social accountability metric comprising a trust score indicative of good payment behavior or bad payment behavior of users using the P2P applications. Depending on the score calculated, the trust level will be assigned as “Very Low,” “Low,” “Medium,” “High,” or “Very High” for the P2P payment account of the users. This score incentivizes users to use the P2P apps more frequently and encourages good payment behavior while allowing people to make their own decisions.
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MARCIANO, JUSTIN, "QUANTIFY PEER-TO-PEER (P2P) PAYMENT TRUST", Technical Disclosure Commons, (May 03, 2023)