# US 12,008,225 B2 · Trust score investigation > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 12,008,225 B2 - Document ID: US12008225B2 - Status: Granted - Kind: B2 - Application number: 18/130,241 - Filed: 2023-04-03 - Published: 2023-10-05 - Granted: 2024-06-11 - Earliest claimed: 2015-12-30 - Applicants: PayPal, Inc. - Inventors: Alex Grigoryan; Avinash Gangadharan; Akshay Peshave; Michael Morgan; Rhys Howell - Web page: https://patentgrep.com/patent/US12008225B2 ## CPC - G06F 3/04842: Selection of displayed objects or displayed text elements (G06F3/0482 takes precedence) - G06Q 40/03: Credit; Loans; Processing thereof - H04L 63/105: {Multiple levels of security} - G06Q 20/4016: {involving fraud or risk level assessment in transaction processing} - G06F: ELECTRIC DIGITAL DATA PROCESSING (computer systems based on specific computational models G06N) - 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 - H04L: TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION (arrangements common to telegraphic and telephonic communication H04M) ## Abstract A system and method for investigating trust scores. A trust score is calculated based on peer transfers, a graphical user interface displays actuatable elements associated with a first peer transfer from the peer transfers, in response to receiving an indication the first actuatable element has been actuated, recalculating the trust score without the first peer transfer. ## Claims ### Claim 1 A system for trust score investigation, comprising: a non-transitory memory storing instructions; and one or more hardware processors coupled to the non-transitory memory and configured to read the instructions from the non-transitory memory to cause the system to perform operations comprising: receiving a loan request from a first device of an entity, wherein the loan request includes a loan amount; accessing one or more databases and retrieving historical loan information associated with the entity, wherein the historical loan information includes a plurality of loans associated with the entity; calculating a trust score for the entity based at least in part on the loan amount and the historical loan information; determining one or more parameters associated with the loan request based on the calculating of the trust score; causing a graphical user interface (GUI) to be displayed on a second device, the GUI displaying the determined one or more parameters and an actuatable element associated with the loan request; receiving an indication that the actuatable element has been actuated through the GUI; and in response to receiving the indication that the actuatable element has been actuated through the GUI, recalculating the trust score. ### Claim 2 (depends on 1) The system of claim 1, wherein the operations further comprise: subsequent to receiving the indication that the actuatable element has been actuated through the GUI, removing at least one loan of the plurality of loans from consideration in calculating the trust score. ### Claim 3 (depends on 2) The system of claim 2, wherein the recalculating the trust score further comprises: updating the trust score using the plurality of loans with the removed at least one loan; and updating the one or more parameters associated with the loan request based on the updated trust score; and causing the GUI to display updated information associated with the loan request, the updated information including the updated trust score and the updated one or more parameters. ### Claim 4 (depends on 1) The system of claim 1, wherein the determining the one or more parameters associated with the loan request further comprises: determining other entities with trust scores similar to the trust score for the entity; accessing the one or more databases to retrieve historical loan information of the other entities; and analyzing the historical loan information of the other entities with similar trust scores. ### Claim 5 (depends on 1) The system of claim 1, wherein the one or more parameters comprise at least one of an interest rate for the loan amount or a payback timeline for the loan amount. ### Claim 6 (depends on 1) The system of claim 1, wherein the historical loan information further includes historical loan repayment information corresponding to the plurality of loans associated with the entity, the historical loan repayment information indicating whether the entity has had a late payment on any of the plurality of loans. ### Claim 7 (depends on 1) The system of claim 1, wherein the operations further comprise: comparing the calculated trust score to a threshold value; determining, based on the comparing, that the calculated trust score exceeds the threshold value; and based on the calculated trust score exceeding the threshold value, determining limits associated with the entity including a maximum loan amount for the entity. ### Claim 8 A method, comprising: receiving a transfer request from a first device of an entity, wherein the transfer request includes a transfer amount; accessing one or more databases and retrieving historical transfer information associated with the entity, wherein the historical transfer information includes a plurality of transfers associated with the entity; calculating a trust score for the entity based at least in part on the transfer amount and the historical transfer information; determining one or more parameters associated with the transfer request based at least on the calculating of the trust score; causing a graphical user interface (GUI) to be displayed on a second device, the GUI displaying the determined one or more parameters and an actuatable element associated with the transfer request; receiving an indication that the actuatable element has been actuated through the GUI; and in response to receiving the indication that the actuatable element has been actuated through the GUI, recalculating the trust score. ### Claim 9 (depends on 8) The method of claim 8, further comprising: removing at least one transfer of the plurality of transfers from consideration in calculating the trust score based on a temporal relationship. ### Claim 10 (depends on 9) The method of claim 9, wherein the recalculating the trust score further comprises: updating the trust score using the plurality of transfers with the removed at least one transfer; and updating the one or more parameters associated with the transfer request based on the updated trust score. ### Claim 11 (depends on 8) The method of claim 8, wherein the determining the one or more parameters associated with the transfer request further comprises: determining other entities with trust scores similar to the trust score for the entity; accessing the one or more databases to retrieve historical transfer information of the other entities; and analyzing the historical transfer information of the other entities with similar trust scores. ### Claim 12 (depends on 8) The method of claim 8, wherein the one or more parameters comprise at least one of an interest rate for the transfer amount or a payback timeline for the transfer amount. ### Claim 13 (depends on 8) The method of claim 8, wherein the historical transfer information further includes historical repayment information corresponding to the plurality of transfers associated with the entity, the historical repayment information indicating whether the entity has had a late payment on any of the plurality of transfers. ### Claim 14 (depends on 8) The method of claim 8, further comprising: comparing the calculated trust score to a threshold value; determining, based on the comparing, that the calculated trust score exceeds the threshold value; and based on the calculated trust score exceeding the threshold value, determining limits associated with the entity including a maximum loan amount for the entity. ### Claim 15 A non-transitory machine readable medium having stored thereon machine readable instructions executable to cause a machine to perform operations comprising: receiving a loan request from a first device of an entity, wherein the loan request includes a loan amount; accessing historical loan information associated with the entity, wherein the historical loan information includes a plurality of loans associated with the entity; calculating a trust score based at least in part on the loan amount and historical loan information associated with the entity; determining one or more parameters associated with the loan request based on the calculating of the trust score; causing a graphical user interface (GUI) to be displayed on a second device, the GUI displaying the determined one or more parameters and an actuatable element associated with the loan request; receiving an indication that the actuatable element has been actuated through the GUI; and in response to receiving the indication that the actuatable element has been actuated through the GUI, recalculating the trust score. ### Claim 16 (depends on 15) The non-transitory machine readable medium of claim 15, wherein the operations further comprise: responsive to receiving the indication that the actuatable element has been actuated through the GUI, removing at least one loan of the plurality of loans from consideration in calculating the trust score. ### Claim 17 (depends on 16) The non-transitory machine readable medium of claim 16, wherein the recalculating the trust score further comprises: updating the trust score using the plurality of loans with the removed at least one loan; and updating the one or more parameters associated with the loan request based on the updated trust score. ### Claim 18 (depends on 15) The non-transitory machine readable medium of claim 15, wherein the determining the one or more parameters associated with the loan request further comprises: determining other entities with trust scores similar to the trust score for the entity; accessing historical loan information of the other entities; and analyzing the historical loan information of the other entities with similar trust scores. ### Claim 19 (depends on 15) The non-transitory machine readable medium of claim 15, wherein the one or more parameters comprise at least one of an interest rate for the loan amount or a payback timeline for the loan amount. ### Claim 20 (depends on 15) The non-transitory machine readable medium of claim 15, wherein the historical loan information further includes historical loan repayment information corresponding to the plurality of loans associated with the entity, the historical loan repayment information indicating whether the entity has had a late payment on any of the plurality of loans.