System and method for assessing credit risk in an on-line lending environment

摘要

A method and system assigns trust ranks to nodes from disparate sources, such as user profiles found in social networking websites across the Internet. The score assigned to a profile is calculated from the subjective scores given to it by the connected profiles that have ranked it, and weighted according to the scores of those connected profiles. The score and associated data are stored in a central server with a searchable database that communicates with one or more third party application servers. The score and associated data are displayed on social networking websites according to user-defined criteria and available for use by third party users to assess the risk of doing business with a user.