JP2019517084A - リスクスコアの計算のためのエンティティの信頼モデルおよび/またはリスク許容度の学習 - Google Patents
リスクスコアの計算のためのエンティティの信頼モデルおよび/またはリスク許容度の学習 Download PDFInfo
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- G06Q10/06—Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
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- G06Q10/0635—Risk analysis of enterprise or organisation activities
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- G06N7/01—Probabilistic graphical models, e.g. probabilistic networks
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- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
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- G06Q40/03—Credit; Loans; Processing thereof
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- G06—COMPUTING; CALCULATING OR COUNTING
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- G—PHYSICS
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
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- G06Q50/01—Social networking
Abstract
Description
データ照合−5%
ネットワークコネクティビティ−20%
クレジットスコア−15%
裁判所データ−10%
評価/フィードバックデータ−20%
グループ/人口統計−5%
検索エンジンマイニング−5%
トランザクション履歴−20%
データ照合−5%
ネットワークコネクティビティ−20%
クレジットスコア−15%
裁判所データ−10%
評価/フィードバックデータ−20%
グループ/人口統計−5%
検索エンジンマイニング−5%
トランザクション履歴−20%
V(A+B)=V(A)+V(B)+2×Covar(A,B)
Claims (20)
- 要求エンティティのために、第2のエンティティに関する信頼スコアを調節するための方法であって、前記方法は、
処理回路を使用して、前記第2のエンティティに関するベースライン信頼スコアを判定することと、
第1の遠隔ソースから前記要求エンティティについてのデータを受信することと、
前記第1の遠隔ソースから受信されたデータに基づいて、前記要求エンティティに関する信頼調節スコアを計算することと、
前記信頼調節スコアと前記第2のエンティティに関するベースライン信頼スコアとを組み合わせることによって、前記第2のエンティティに関する調節された信頼スコアを判定することと、
前記要求エンティティに前記調節された信頼スコアのインジケーションを伝送することと
を含む、方法。 - 前記信頼調節スコアと前記第2のエンティティに関するベースライン信頼スコアとを組み合わせることは、前記第2のエンティティに関するベースライン信頼スコアを前記信頼調節スコアで乗算することを含む、請求項1に記載の方法。
- 前記信頼調節スコアと前記第2のエンティティに関するベースライン信頼スコアとを組み合わせることは、加重和に従って、前記第2のエンティティに関するベースライン信頼スコアと前記信頼調節スコアとを組み合わせることを含む、請求項1に記載の方法。
- 前記加重和は、ユーザ割当加重に基づく、請求項3に記載の方法。
- 前記受信されたデータは、前記要求エンティティが信頼できるとユーザが考える程度のユーザインジケーションを備え、前記ユーザは、前記要求エンティティと異なる第3のエンティティと関連付けられる、請求項1に記載の方法。
- 前記要求エンティティに関する信頼調節スコアを記憶することと、
前記記憶された信頼調節スコアを使用して、前記記憶された信頼調節スコアと第3のエンティティに関するベースライン信頼スコアとを組み合わせることによって、前記第3のエンティティに関する調節された信頼スコアを判定することと
をさらに含む、請求項1に記載の方法。 - 第2の遠隔ソースから前記要求エンティティについての第2のデータを受信することと、
前記第2の遠隔ソースから受信された第2のデータに基づいて、前記記憶された信頼調節スコアを更新することと
をさらに含む、請求項6に記載の方法。 - 前記要求エンティティおよび前記第2のエンティティによってともに実施されるべきアクティビティのインジケーションを受信することと、
前記アクティビティのインジケーションに基づいて、前記信頼調節スコアを更新することと
をさらに含む、請求項1に記載の方法。 - 前記第2のエンティティは、ネットワークコミュニティ内の第2のノードと関連付けられ、第4のエンティティが、ネットワークコミュニティ内の第1のノードと関連付けられ、前記第2のエンティティに関するベースライン信頼スコアを判定することは、
前記ネットワークコミュニティ内の前記第1のノードから前記第2のノードへの経路を識別することと、
前記識別された経路に基づいて、前記第2のエンティティに関するベースライン信頼スコアを判定することと
を含む、請求項1に記載の方法。 - 前記識別された経路は、それぞれ、1つまたはそれを上回るリンクを備え、各リンクは、ユーザコネクティビティ値を割り当てられ、前記識別された経路に基づいて、前記第2のエンティティに関するベースライン信頼スコアを判定することは、前記識別された経路に基づいて、前記第2のエンティティに関するベースライン信頼スコアを判定するために、前記ユーザコネクティビティ値を組み合わせることを含む、請求項9に記載の方法。
- 要求エンティティのために、第2のエンティティに関する信頼スコアを調節するためのシステムであって、前記システムは、
処理回路であって、前記処理回路は、
前記第2のエンティティに関するベースライン信頼スコアを判定することと、
第1の遠隔ソースから前記要求エンティティについてのデータを受信することと、
前記第1の遠隔ソースから受信されたデータに基づいて、前記要求エンティティに関する信頼調節スコアを計算することと、
前記信頼調節スコアと前記第2のエンティティに関するベースライン信頼スコアとを組み合わせることによって、前記第2のエンティティに関する調節された信頼スコアを判定することと、
前記要求エンティティに前記調節された信頼スコアのインジケーションを伝送することと
を行うように構成される、処理回路
を備える、システム。 - 前記処理回路は、前記第2のエンティティに関するベースライン信頼スコアを前記信頼調節スコアで乗算することによって、前記信頼調節スコアと前記第2のエンティティに関するベースライン信頼スコアとを組み合わせるように構成される、請求項11に記載のシステム。
- 前記処理回路は、加重和に従って、前記第2のエンティティに関するベースライン信頼スコアと前記信頼調節スコアとを組み合わせることによって、前記信頼調節スコアと前記第2のエンティティに関するベースライン信頼スコアとを組み合わせるように構成される、請求項11に記載のシステム。
- 前記加重和は、ユーザ割当加重に基づく、請求項13に記載のシステム。
- 前記受信されたデータは、前記要求エンティティが信頼できるとユーザが考える程度のユーザインジケーションを備え、前記ユーザは、前記要求エンティティと異なる第3のエンティティと関連付けられる、請求項11に記載のシステム。
- 前記処理回路はさらに、
前記要求エンティティに関する信頼調節スコアを記憶することと、
前記記憶された信頼調節スコアを使用し、前記記憶された信頼調節スコアと第3のエンティティに関するベースライン信頼スコアとを組み合わせることによって、前記第3のエンティティに関する調節された信頼スコアを判定することと
を行うように構成される、請求項11に記載のシステム。 - 前記処理回路はさらに、
第2の遠隔ソースから前記要求エンティティについての第2のデータを受信することと、
前記第2の遠隔ソースから受信された第2のデータに基づいて、前記記憶された信頼調節スコアを更新することと
を行うように構成される、請求項16に記載のシステム。 - 前記処理回路はさらに、
前記要求エンティティおよび前記第2のエンティティによってともに実施されるべきアクティビティのインジケーションを受信し、
前記アクティビティのインジケーションに基づいて、前記信頼調節スコアを更新する、
ように構成される、請求項11に記載のシステム。 - 前記第2のエンティティは、ネットワークコミュニティ内の第2のノードと関連付けられ、第4のエンティティが、ネットワークコミュニティ内の第1のノードと関連付けられ、前記処理回路は、
前記ネットワークコミュニティ内の前記第1のノードから前記第2のノードへの経路を識別することと、
前記識別された経路に基づいて、前記第2のエンティティに関するベースライン信頼スコアを判定することと
によって、前記第2のエンティティに関するベースライン信頼スコアを判定するように構成される、請求項11に記載のシステム。 - 前記識別された経路は、それぞれ、1つまたはそれを上回るリンクを備え、各リンクは、ユーザコネクティビティ値を割り当てられ、前記処理回路は、前記識別された経路に基づいて、前記第2のエンティティに関するベースライン信頼スコアを判定するために、前記ユーザコネクティビティ値を組み合わせることによって、前記識別された経路に基づいて、前記第2のエンティティに関するベースライン信頼スコアを判定するように構成される、請求項19に記載のシステム。
Applications Claiming Priority (3)
Application Number | Priority Date | Filing Date | Title |
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US15/079,952 US9721296B1 (en) | 2016-03-24 | 2016-03-24 | Learning an entity's trust model and risk tolerance to calculate a risk score |
US15/079,952 | 2016-03-24 | ||
PCT/CA2017/050351 WO2017161446A1 (en) | 2016-03-24 | 2017-03-20 | Learning an entity's trust model and risk tolerance to calculate a risk score |
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JP2019517084A true JP2019517084A (ja) | 2019-06-20 |
JP7032376B2 JP7032376B2 (ja) | 2022-03-08 |
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JP2019500705A Active JP7032376B2 (ja) | 2016-03-24 | 2017-03-20 | リスクスコアの計算のためのエンティティの信頼モデルおよび/またはリスク許容度の学習 |
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US (5) | US9721296B1 (ja) |
JP (1) | JP7032376B2 (ja) |
CN (2) | CN110313009B (ja) |
CA (2) | CA3014361C (ja) |
IL (1) | IL261921B (ja) |
WO (1) | WO2017161446A1 (ja) |
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