Online User Profile Matching via Social and Insurance Data Trust Scoring
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Solution Overview
Problem
Existing online platforms lack a reliable and secure mechanism to establish trust between users for peer-to-peer transactions, such as buying, selling, renting, and sharing products and services, due to the absence of comprehensive user profiling and trust scoring systems.
Innovation Solution
A system and method that utilize social media data and insurance data to generate and match online user profiles, determining a trust score for each user based on their social media activities and insurance history, and calculating a sharing score between users to facilitate secure and reliable peer-to-peer transactions.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If comprehensive user profiling and trust scoring systems are implemented, then user trustworthiness assessment improves, but system complexity increases
Solution Approach 1:
The system segments the trust assessment into multiple independent components: social media data collection, insurance data collection, trust score calculation, and profile matching. Each component operates independently and contributes to the overall trust assessment, making the complex system manageable and maintainable while providing comprehensive reliability evaluation
Solution Approach 2:
The patent introduces an intermediary trust scoring system that mediates between users and transactions. Instead of direct user verification, the system uses automated trust scores derived from social media and insurance data as an intermediate layer, simplifying the verification process while improving reliability
2Measurement precision
If social media data and insurance data are collected and analyzed, then trust score accuracy improves, but data processing requirements increase
Solution Approach 1:
The system performs preliminary data collection and analysis by gathering social media and insurance data in advance, before transactions occur. Trust scores are pre-calculated and stored, allowing rapid retrieval and comparison during peer-to-peer transactions without requiring intensive real-time processing
Solution Approach 2:
The patent extracts only the essential and relevant features from social media and insurance data that contribute to trust assessment. Instead of processing all available data, the system identifies and extracts key indicators such as social media activity patterns and insurance claim history, reducing processing requirements while maintaining accuracy
Data Source
AI summary
A matching computer system for electronically generating, matching, and providing online user profiles, and determining a trust score for a user based upon at least social media data and insurance data is provided. The matching computer system may be configured to register users within the matching computer system, receive consent from the users to capture the social media data, and collect the social media data and the insurance data from each registered user. The matching computer system may also be configured to retrieve the social media data and the insurance data associated with each registered user. The matching computer system may be further configured to determine a trust score for each registered user based upon each respective social media data and each respective insurance data. Each trust score represents a level of trustworthiness of the user.