# US 11,443,386 B2 · Trust platform

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- Number: US 11,443,386 B2
- Document ID: US11443386B2
- Status: Granted
- Kind: B2
- Application number: 17/030,027
- Filed: 2020-09-23
- Published: 2021-03-25
- Granted: 2022-09-13
- Earliest claimed: 2019-09-25
- Assignees: Metropolitan Life Insurance Co.
- Applicants: Metropolitan Life Insurance Co.
- Inventors: John Bungert; Terrance Luciani; Andrew O'Mara; Jordan Ashleigh McAlister; Shaun Michael Walter
- Web page: https://patentgrep.com/patent/US11443386B2

## CPC

- G06Q 40/08: Insurance
- G06F 21/57: Certifying or maintaining trusted computer platforms, e.g. secure boots or power-downs, version controls, system software checks, secure updates or assessing vulnerabilities
- G06Q 20/02: involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
- G06Q 40/03: Credit; Loans; Processing thereof
- G06F 2221/034: Test or assess a computer or a system
- G06Q 20/405: {Establishing or using transaction specific rules}
- 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
- G06F: ELECTRIC DIGITAL DATA PROCESSING (computer systems based on specific computational models G06N)

## Abstract

A trust platform receives transaction review values from a plurality of marketplace providers, each transaction review value associated with a person-to-person transaction. The platform weighs each transaction review value to generate a weighted transaction review value based on a characteristic of the transaction. A baseline individual trust score is generated based on an aggregation of the weighted transaction review values which reflects a “trust” attributable to a user. The trust platform is also configured to adjust new transaction review values based on the baseline individual trust score to render such review more accurate.

## Claims

### Claim 1

A method, comprising:
receiving, by a trust platform implemented by one or more servers, transaction review values associated with a user, the transaction review values being received from a plurality of marketplace providers and over one or more networks, wherein each transaction review value is associated with a person-to-person transaction involving the user;
based on a determination that two or more of the transaction review values have a different format, converting, by the trust platform implemented by the one or more servers, the two or more of the transaction review values to a common or standardized format, wherein the converting of the two or more of the transaction review values standardizes the transaction review values from the plurality of marketplace providers;
weighing, by the trust platform implemented by the one or more servers, each transaction review value to generate a weighted transaction review value based on at least one of an amount of the person-to-person transaction, a location of the person-to-person transaction, date of the person-to-person transaction, and role of the user in the person-to-person transaction, weighing each transaction review value to generate the weighted transaction review value comprises:
applying, by the trust platform implemented by the one or more servers, a first weight to a transaction review value associated with a first person-to-person transaction based on a first location or a first date of the first person-to-person transaction; and
applying, by the trust platform implemented by the one or more servers, a second weight, different from the first weight, to a transaction review value associated with a second person-to-person transaction based on a second location or a second date of the second person-to-person transaction, wherein the first location of the first person-to-person transaction is closer to a home of the user than the second location of the second person-to-person transaction, and wherein the first date of the first person-to-person transaction is more recent than the second date of the second person-to-person transaction;
generating, by the trust platform implemented by the one or more servers, a baseline individual trust score of the user based on an aggregation of the weighted transaction review values;
determining, by the trust platform implemented by the one or more servers, that a statistical difference between a new transaction review value and the baseline individual trust score of the user is above a threshold;
determining, by the trust platform implemented by the one or more servers, whether to adjust the new transaction review value based on an estimated cause for the statistical difference between the new transaction review value and the baseline individual trust score of the user;
based on the estimated cause for the statistical difference between the new transaction review value and the baseline individual trust score of the user, adjusting, by the trust platform implemented by the one or more servers, the new transaction review value to yield an adjusted transaction review value;
receiving, by the trust platform implemented by the one or more servers, a request for the baseline individual trust score of the user in connection with a new person-to-person transaction between the user and at least one other user;
providing, by the trust platform over the one or more networks to a device associated with the at least one other user, remote access to the baseline individual trust score to facilitate completion of the new person-to-person transaction; and
providing, by the trust platform implemented by the one or more servers, the adjusted transaction review value to a marketplace associated with the new person-to-person transaction.

### Claim 2 (depends on 1)

The method of claim 1, wherein converting the two or more of the transaction review values to a common or standardized format further comprises normalizing a first one of the two or more transaction review values from a first marketplace of the plurality of marketplaces with a second one of the two or more transaction review values from a second marketplace of the plurality of marketplaces based on a difference of scales used in the first one of the two or more transaction review values from the first marketplace and the second one of the two or more transaction review values from the second marketplace.

### Claim 3 (depends on 1)

The method of claim 1, further comprising providing the baseline individual trust score of the user to a marketplace associated with the new person-to-person transaction, the marketplace being outside of the plurality of marketplaces.

### Claim 4 (depends on 1)

The method of claim 1, further comprising sending a link to the device associated with the at least one other user to facilitate completion of the new person-to-person transaction.

### Claim 5 (depends on 1)

The method of claim 1, further comprising insuring the new person-to-person transaction based on the baseline individual trust score of the user and a characteristic of the new person-to-person transaction.

### Claim 6 (depends on 1)

The method of claim 1, wherein applying the first weight to the transaction review value associated with the first person-to-person transaction is further based on a first amount of the first person-to-person transaction, and wherein applying the second weight to the transaction review value associated with the second person-to-person transaction is further based on a second amount of the second person-to-person transaction.

### Claim 7 (depends on 1)

The method of claim 1, wherein applying the first weight to the transaction review value associated with the first person-to-person transaction is further based on a first role of the user in the first person-to-person transaction, and wherein applying the second weight to the transaction review value associated with the second person-to-person transaction is further based on a second role of the user in the second person-to-person transaction.

### Claim 8 (depends on 1)

The method of claim 1, further comprising:
receiving an additional transaction review value associated with the new person-to-person transaction;
determining whether the additional transaction review value is a statistical outlier from the baseline individual trust score of the user;
identifying a context of the new person-to-person transaction when the additional transaction review value is a statistical outlier from the baseline individual trust score of the user; and
adjusting the additional transaction review value to generate an adjusted transaction review value based on the identified context of the new person-to-person transaction.

### Claim 9 (depends on 8)

The method of claim 8, further comprising:
providing the adjusted transaction review value to a marketplace associated with the new person-to-person transaction.

### Claim 10 (depends on 9)

The method of claim 9, wherein identifying the context of the new person-to-person transaction comprises at least one of identifying a role of the user in the new person-to-person transaction, identifying other persons involved in the new person-to-person transaction, identifying a location of the new person-to-person transaction, identifying an amount of the new person-to-person transaction, and a distribution of transaction review values authored or received by the user.

### Claim 11 (depends on 9)

The method of claim 9, wherein the adjusted transaction review value is used to modify a review associated with the new person-to-person transaction.

### Claim 12 (depends on 1)

The method of claim 1, further comprising:
receiving an additional transaction review value associated with the new person-to-person transaction;
determining whether the baseline individual trust score of the user is a statistical outlier from the baseline individual trust score of a plurality of users of a marketplace associated with the new person-to-person transaction;
adjusting the additional transaction review value to generate an adjusted transaction review value when the baseline individual trust score of the user is a statistical outlier from the baseline individual trust score of the plurality of users of the marketplace associated with the new person-to-person transaction; and
providing the adjusted transaction review value to the marketplace associated with the new person-to-person transaction.

### Claim 13 (depends on 12)

The method of claim 12, wherein the adjusted transaction review value is used to modify a review associated with the new person-to-person transaction.

### Claim 14

A system comprising:
one or more processors; and
a memory containing instructions which, when executed by the one or more processors, cause the one or more processors to:
receive transaction review values associated with a user, the transaction review values being received from a plurality of marketplace providers and over one or more networks, wherein each transaction review value is associated with a person-to-person transaction involving the user;
based on a determination that two or more of the transaction review values have a different format, convert the two or more of the transaction review values to a common or standardized format, wherein the converting of the two or more of the transaction review values standardizes the transaction review values from the plurality of marketplace providers;
weigh each transaction review value to generate a weighted transaction review value based on at least one of an amount of the person-to-person transaction, a location of the person-to-person transaction, date of the person-to-person transaction, and role of the user in the person-to-person person transaction, wherein weighing each transaction review value to generate the weighted transaction review value comprises:
applying a first weight to a transaction review value associated with a first person-to-person transaction based on a first location or a first date of the first person-to-person transaction; and
applying a second weight, different from the first weight, to a transaction review value associated with a second person-to-person transaction based on a second location or a second date of the second person-to-person transaction, wherein the first location of the first person-to-person transaction is closer to a home of the user than the second location of the second person-to-person transaction, and wherein the first date of the first person-to-person transaction is more recent than the second date of the second person-to-person transaction;
generate a baseline individual trust score of the user based on an aggregation of the weighted transaction review value;
determine that a statistical difference between a new transaction review value and the baseline individual trust score of the user is above a threshold;
determine whether to adjust the new transaction review value based on an estimated cause for the statistical difference between the new transaction review value and the baseline individual trust score of the user;
based on the estimated cause for the statistical difference between the new transaction review value and the baseline individual trust score of the user, adjust the new transaction review value to yield an adjusted transaction review value;
receive a request for the baseline individual trust score of the user in connection with a new person-to-person transaction between the user and at least one other user;
provide, over the one or more networks to a device associated with the at least one other user, remote access to the baseline individual trust score to facilitate completion of the new person-to-person transaction; and
provide the adjusted transaction review value to a marketplace associated with the new person-to-person transaction.

### Claim 15 (depends on 14)

The system of claim 14, wherein converting the two or more of the transaction review values to a common or standardized format further comprises normalizing a first one of the two or more transaction review values from a first marketplace of the plurality of marketplaces with a second one of the two or more transaction review values from a second marketplace of the plurality of marketplaces based on a difference of scales used in the first one of the two or more transaction review values from the first marketplace and the second one of the two or more transaction review values from the second marketplace.

### Claim 16 (depends on 14)

The system of claim 14, wherein the instructions, when executed by the one or more processors, cause the one or more processors to:
receive an additional transaction review value associated with the new person-to-person transaction;
determine whether the additional transaction review value is a statistical outlier from the baseline individual trust score of the user;
identify a context of the new person-to-person transaction when the additional transaction review value is a statistical outlier from the baseline individual trust score of the user;
adjust the additional transaction review value to generate an adjusted transaction review value based on the identified context of the new person-to-person transaction; and
provide the adjusted transaction review value to a marketplace associated with the new person-to-person transaction to modify a review associated with the new person-to-person transaction.

### Claim 17 (depends on 14)

The system of claim 14, wherein the instructions, when executed by the one or more processors, cause the one or more processors to:
receive an additional transaction review value associated with the new person-to-person transaction;
determine whether the baseline individual trust score of the user is a statistical outlier from the baseline individual trust score of a plurality of users of a marketplace associated with the new person-to-person transaction;
adjust the additional transaction review value to generate an adjusted transaction review value when the baseline individual trust score of the user is a statistical outlier from the baseline individual trust score of the plurality of users of the marketplace associated with the new person-to-person transaction; and
provide the adjusted transaction review value to the marketplace associated with the new person-to-person transaction to modify a review associated with the new person-to-person transaction.

### Claim 18

A non-transitory computer-readable medium having instructions encoded thereon, the instructions, when executed by one or more processors, cause the one or more processors to:
receive transaction review values associated with a user, the transaction review values being received from a plurality of marketplace providers and over one or more networks, wherein each transaction review value is associated with a person-to-person transaction involving the user;
based on a determination that two or more of the transaction review values have a different format, convert the two or more of the transaction review values to a common or standardized format, wherein the converting of the two or more of the transaction review values standardizes the transaction review values from the plurality of marketplace providers;
weigh each transaction review value to generate a weighted transaction review value based on at least one of an amount of the person-to-person transaction, a location of the person-to-person transaction, date of the person-to-person transaction, and role of the user in the person-to-person transaction, wherein weighing each transaction review value to generate the weighted transaction review value comprises:
applying a first weight to a transaction review value associated with a first person-to-person transaction based on a first location or a first date of the first person-to-person transaction; and
applying a second weight, different from the first weight, to a transaction review value associated with a second person-to-person transaction based on a second location or a second date of the second person-to-person transaction, wherein the first location of the first person-to-person transaction is closer to a home of the user than the second location of the second person-to-person transaction, and wherein the first date of the first person-to-person transaction is more recent than the second date of the second person-to-person transaction;
generate a baseline individual trust score of the user based on an aggregation of the weighted transaction review value;
determine that a statistical difference between a new transaction review value and the baseline individual trust score of the user is above a threshold;
determine whether to adjust the new transaction review value based on an estimated cause for the statistical difference between the new transaction review value and the baseline individual trust score of the user;
based on the estimated cause for the statistical difference between the new transaction review value and the baseline individual trust score of the user, adjust the new transaction review value to yield an adjusted transaction review value;
receive a request for the baseline individual trust score of the user in connection with a new person-to-person transaction between the user and at least one other user;
provide, over the one or more networks to a device associated with the at least one other user, remote access to the baseline individual trust score to facilitate completion of the new person-to-person transaction; and
provide the adjusted transaction review value to a marketplace associated with the new person-to-person transaction.

### Claim 19 (depends on 18)

The non-transitory computer-readable medium of claim 18, wherein, the instructions, when executed by the one or more processors, cause the one or more processors to:
receive an additional transaction review value associated with the new person-to-person transaction;
determine whether the additional transaction review value is a statistical outlier from the baseline individual trust score of the user;
identify a context of the new person-to-person transaction when the additional transaction review value is a statistical outlier from the baseline individual trust score of the user;
adjust the additional transaction review value to generate an adjusted transaction review value based on the identified context of the new person-to-person transaction; and
provide the adjusted transaction review value to a marketplace associated with the new person-to-person transaction to modify a review associated with the new person-to-person transaction.