Risk-related scoring using online social footprint

A system comprising:

• a computer system including at least one computing device, wherein the computer system is configured to evaluate a user by performing a method comprising:
• registering a user, wherein the registering includes creating a user profile for the user, the user profile including data corresponding to accessing a social networking account for the user at a social networking system;
• extracting online social footprint data corresponding to the user from the social networking system using the social networking account, wherein the extracting includes obtaining data corresponding to a set of trusted connections identified by the user and obtaining data from the social networking system associated with the user;
• and
• applying a predictive model to the user profile and the extracted online social footprint data to generate a risk-related score for the user, wherein the risk-related score corresponds to an evaluated risk associated with conducting a transaction with the user.

A computer system comprising:

• a processing component including at least one processor;
• a storage component operatively connected to the processing component, the storage component including at least one storage device;
• and
• a program including at least one executable program module stored in the at least one storage device, wherein the program, when executed by the processing component, causes the computer system to perform a method comprising:
• registering a user, wherein the registering includes creating a user profile for the user, the user profile including data corresponding to accessing a social networking account for the user at a social networking system;
• extracting online social footprint data corresponding to the user from the social networking system using the social networking account, wherein the extracting includes obtaining data corresponding to a set of trusted connections identified by the user and obtaining data from the social networking system associated with the user;
• applying a predictive model to the user profile and the extracted online social footprint data to generate a risk-related score for the user, wherein the risk-related score corresponds to an evaluated risk associated with conducting a transaction with the user;
• and
• applying the predictive model to the user profile and the extracted online social footprint data to identify one of a plurality of treatment types for the user.