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WO2019103707A1 - A credibility evaluation system and method - Google Patents

A credibility evaluation system and method Download PDF

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Publication number
WO2019103707A1
WO2019103707A1 PCT/TR2018/050162 TR2018050162W WO2019103707A1 WO 2019103707 A1 WO2019103707 A1 WO 2019103707A1 TR 2018050162 W TR2018050162 W TR 2018050162W WO 2019103707 A1 WO2019103707 A1 WO 2019103707A1
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WO
WIPO (PCT)
Prior art keywords
user
credibility
score
node
blockchain
Prior art date
Application number
PCT/TR2018/050162
Other languages
French (fr)
Inventor
Zahid SAGIROGLU
Bulent TEKMEN
Furkan KAMACI
Eray EREN
Original Assignee
Sagiroglu Zahid
Tekmen Bulent
Kamaci Furkan
Eren Eray
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Sagiroglu Zahid, Tekmen Bulent, Kamaci Furkan, Eren Eray filed Critical Sagiroglu Zahid
Publication of WO2019103707A1 publication Critical patent/WO2019103707A1/en

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Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • 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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0601—Electronic shopping [e-shopping]
    • G06Q30/0609—Buyer or seller confidence or verification
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • 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
    • G06Q30/00—Commerce
    • G06Q30/018—Certifying business or products
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/03—Credit; Loans; Processing thereof
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • 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
    • G06Q50/00—Information and communication technology [ICT] specially adapted for implementation of business processes of specific business sectors, e.g. utilities or tourism
    • G06Q50/01—Social networking
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • 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
    • G06Q2220/00—Business processing using cryptography

Definitions

  • the present invention relates to a credibility evaluation system which presents a decentralized configuration and is blockchain- and machine learning-based and which utilizing digital IDs of the individuals, provides reliability measurement and microfinance service, and to a method thereof.
  • the object of the present invention is to provide a credibility evaluation system which presents a decentralized configuration and is blockchain- and machine learning-based and which, utilizing digital IDs of the individuals, provides reliability measurement and microfinance service, and to a method thereof.
  • a credibility evaluation system which has been developed for achieving the object of the present invention and defined in the first claim and other dependent claims comprises: at least one blockchain-based communication network; at least one communication device which is used by the user for making a credibility evaluation application and obtaining the result for their application via at least one application comprised therein; a plurality of integrated data nodes which operate independent of one another and of the application, provide a certain percentage of score contribution for the scoring performed for credibility evaluation processes, and provide the users with financing possibilities based on the score obtained as a result of the credibility e valuation; at least one request node whi ch contributes or does not contribute to the scoring performed for credibility evaluation processes and provide the users with financing possibili ties based on the score obtained as a result of the evaluation; and a plurality of scoring engines which provide service in a decentralized manner in a way not to be connected to the bloekchain-based communication network as a separate node, operate in isolation from one another and other nodes in terms of data sharing by being installed on each node within the communication
  • the scoring engine preferably performs credibility scoring process in six different categories. Said categories are as follows: social media credibility, financial stability, blockchain credibility, user reliability, past payment performance, and previous blockchain credit performance obtained by the user using the system.
  • the scoring engine determines a coefficient in scoring for these categories according to the characteristics of the incoming data.
  • the application sends a confirmation link to the user. If the user confirms this link, then the integrated data node and the request node access the credibility score of the user.
  • the credibility score calculated by the scoring engine preferably consists of two different scores: fixed score and flexible score.
  • Fixed score does not change by any means and comprises the categories of social media credibility, user reliability, financial stability, and the previous blockchain credit performance of the user.
  • Flexible score comprises the category of blockchain credibility which is requested by the integrated data node or request node and changeable.
  • the independent scoring engine in that node analyzes the user’s data on the respective node through the communication protocol presented by the system. Evaluating these data, the scoring engine forms a dedicated IPFS- based score file on the blockchain. Said score file comprises the scores belonging to the data received from each blockchain node by means of the system protocol provided by the blockchain.
  • the scoring engine and/or scoring engines form(s) the user's scorecard using this score file.
  • the scorecard preferably comprises the weighted scores and total score belonging to six categories which consist of the user’s universal application number, social media credibility, financial stability, blockchain credibility, user reliability, past credit performance, and previous blockchain credit performance of the user.
  • the scoring engines independently operating on the nodes on the blockchain send, subsequent to the user's confirmation, the scorecard preferably to the integrated data node and/or the request node.
  • the scoring engines that are decentralized and operate independent of one another never share the data contained in the nodes which are present on the blockchain and in which they are located with other nodes, and thus ensure the security of data. Only the evaluation results of the data are added to the score file on the blockchain.
  • the scoring engine preferably consists of two sub-engines, one of which is the credit evaluation engine and the other one of which is the fraud detection engine.
  • the credit evaluation engine collects the rich size of data and forms scores using the artificial intelligence in order to determine credibility.
  • the fraud detection engine observes the data flow and the collected data and as a result of this, it detects the fraud attempt of the user.
  • the fraud detection engine preferably consists of a rapid fraud detection engine which processes both the stream data and the time window data and performs fraud detection operation using machine teaming- and rule-based methods, and a main fraud detection engine which performs complex controls for both credit- and individual-based anomalies and prevents possible fraud attempts.
  • the method enabl ing the functioning of the credibility evaluation system according to the invention comprises the following process steps:
  • Fig. 1 Representative schematic view of the credibility evaluation system.
  • the credibility evaluation system (100) which presents a decentralized configuration and is blockchain- and machine learning-based and which, utilizing digital IDs of the individuals, provides reliability measurement and microfinance sendee basically comprises;
  • At least one blockchain-based communication network (200)
  • a plurality of integrated data nodes (400) which are connected to the communication network (200), belong to the banks, shopping companies telecommunication companies and similar companies, operate independent of one another and of the application (310), provide a certain percentage of score contribution for the scoring performed for credibility evaluation processes, observe the score formed as a result of the credibility evaluation upon the user's confirmation, and provide different financing possibilities specific to the users and to its own operating structure based on this score, at least one request node (500) which is connected to the communication network (200) in order to access the score formed as a result of the credibility evaluation made for the user, contributes or does not contribute to the scoring performed for credibility evaluation processes, observe the score formed as a result of the credibility evaluation upon the user's confirmation, and provide different financing possibilities specific to the users and to its own operating structure based on this score, and
  • the credibility evaluation method uses the components within the credibility evaluation system (1000), access to the user's digital information in the application (310) and/or integrated data node (400) and/or request node (500) for the credibility evaluation request, evaluate the digital information accessed thereby without extracting any data out of the node in which it is located in an isolated manner and add the results to the score file on the blockchain, and thus perform a universal credibility scoring process for the user, and deliver the scoring results to the user and/or integrated data node (400) and/or request node (500) via the website and/or blockchain in an encrypted and secure form based on the request and the user's confirmation (Fig 1).
  • the credibility evaluation method uses the components within the credibility evaluation system (1000), access to the user's digital information in the application (310) and/or integrated data node (400) and/or request node (500) for the credibility evaluation request, evaluate the digital information accessed thereby without extracting any data out of the node in which it is located in an isolated manner and add the results to the score file on the blockchain,
  • the credibility evaluation system (100) and method according to the invention provide a blockchain-based and decentralized service and operate in coordination with banking requirements and conventional financial methods. With its decentralized structure which is based on machine learning algorithms, the credibility evaluation system (100) collects and analyzes the digital data used by the users universally and creates a dedicated credibility score as a result of this analysis.
  • the credibility evaluation system (100) presents a universal solution model for credibility and microfmance services.
  • the solution model presented by the credibility evaluation system (100) improves the weak points of the existing credit models and has a simple and yet competent configuration.
  • the application (310) In the credibility evaluation system (100), first the users make a registration request using the application (310) in their communication devices (300). During said registration procedures, the application (310) preferably obtains the user information including the user's name, surname, date of birth, legal identification number, address, e-mail, and mobile phone number, and forms a universal application number belonging to the user in addition to such information, and finally records all the information as encrypted user query information. Further, the application (310) requests to have access to any kind of information of the users, e.g. social media accounts, and call records, text messages, and data usage in their communication devices (300). After the user confirms the access request, the application (310) starts the credibility evaluation processes for the user.
  • the application (310) After the user confirms the access request, the application (310) starts the credibility evaluation processes for the user.
  • the communication device (300) may be a mobile phone, tablet and similar devices.
  • the scoring engine (600) is not included in the blockchain-based communication network (200) as a separate node; instead, it provides a decentralized service on a node located on the blockchain.
  • the scoring engine (600) performs an encrypted credibility scoring process for the user taking many different criteria into consideration.
  • the application (310) submits this request to the user for confirmation.
  • the user confirms, the integrated data node (400) and/or the request node (500) access to the result of the credibility evaluation scoring.
  • the scoring engine (600) preferably performs credibility scoring process in six different categories. Said categories are as follows: social media credibility, financial stability, blockchain credibility, user reliability, past credit performance, and previous blockchain credit performance obtained by the user using the system (1).
  • the scoring engine (600) determines a coefficient in scoring for these categories according to the characteristics of the incoming data. In case none of these categories can be accessed or in case the user has no history in the related category, the scoring engine (600) does not include this categor in the scoring process and reaches the total score by changing the coefficient of the other categories.
  • the scoring engine (600) further looks at the data obtained for these different categories and measures the sufficiency of such data.
  • the scoring engine (600) evaluates all the combinations and identifies a separate coefficient for each data based on the sufficiency thereof, and forms the total credibility " score of the user taking these coefficients into consideration.
  • the scoring engine (600) has access, via the application (310), to the users' social media accounts as well as any kind of user information including the location, contact (friend) list, call history in their communication devices (300).
  • the scoring engine (600) takes the sufficiency of data into account in analysis processes. That is, the user's reciprocal and long-lasting interaction with his / her friends, instead of unilateral acti vities of the user, are considered to a greater extent .
  • the social sphere of the user defines his/her lifestyle in some way. People generally tend to choose their close friends from a sphere with a financial level similar to theirs. Therefore, the characteristics and financial levels of the persons with which the user interacts present an important criterion for the scoring.
  • the scoring engine (600) also has access to any kind of user information including the location, contact (friend) list, call history in their communication devices (300). For instance, the locations most frequently visited by the user typically give information about his/her home and/or the places that s/he goes as a part of his/her social life. The financial value of the location in which said places or house is located may present an important criterion in terms of scoring. Further, the financial level of the persons called or texted by the user will also present another criterion for the scoring process. As a consequence, the scoring engine (600) reaches the scoring result in the category of the user's social media credibility by " means of the application (310).
  • the scoring engine (600) may also inquire the category of the user's reliability by means of the application (310). For example, in case the user is never present in the neighborhood that s/he gave as the address information during registration procedures, this means that s/he probably does not live in that address, which, in turn, will cause the user's score to be lower.
  • the scoring engine (600) performs an encrypted query to each integrated data node (400) and/or request node (500) using the query information of the user. For instance, the scoring engine (600) can make a query to each integrated data node (400) and/or request node (500) database of the shopping company, bank, tel ecommunication firm and the like using one or more of the in formation including the user's name, address, e-mail and so on. The scoring engine (600) reaches the scoring result in the category of hlockchain credibility using the information that it receives from these nodes. The scoring engine (600) is also capable of analyzing the user's financial stability and past credit performance using the information that it receives from the bank(s) in the nodes contained in the blockchain.
  • the scorecard comprises the credibility evaluation result for the user and indicates the total credibility score.
  • the credibility score is dynamic, being permanently updated in accordance with the incoming data.
  • the application (310) sends a confirmation link to the user. If the user confirms this link, then the integrated data node (400) and the request node (500) access the credibility score of the user.
  • the integrated data node (400) and the request node (500) are able to provide the user with different financing possibilities specific to their operating structure. For instance, a shopping company may want that the user's score points to at least 80 in order to allow the user to pay for his/her shopping by installments. Said lower limit can be defined by the shopping company itself.
  • the credibility score calculated by the scoring engine (600) preferably consists of two different scores: fixed score and flexible score.
  • Fixed score does not change by any means and comprises the categories of social media credibility, user reliability, financial stability, and the previous blockchain credit performance of the user.
  • Flexible score comprises the category of blockchain credibility which is requested by the integrated data node (400) or request node (500) and changeable. For instance, while calculating the user’s credibility score, a shopping company may not want that the score obtained by the user from a telecommunication company is taken into account, or may request that the score coefficient is low . In such a case, that category is not included in scoring or the coefficient of that category is kept low.
  • the isolated scoring engine (600) in that node evaluates the user's data on the respective node.
  • the scoring engine (600) adds only the evaluation results of these data to the dedicated IPFS-based score file created on the blockchain, without extracting any data out of the node.
  • Said score file comprises the evaluation result scores received from each blockchain node by means of the communication protocol.
  • the scoring engine (600) forms the user's scorecard using the respective score file.
  • the scorecard preferably comprises the weighted scores and total score belonging to six categories which consist of the user's universal application number, social media credibility, financial stability, blockchain credibility 7 , user reliability, past credit performance, and previous blockchain credit performance of the user.
  • the scoring engine (600) delivers the scorecard preferably to the integrated data node (400) and the request node (500).
  • the scoring engine (600) never shares the data contained in the nodes which are present on the blockchain and in which they 7 are located with other nodes and the scoring engines in other nodes, and thus ensures the security of data.
  • the scoring engine (600) preferably consists of two sub-engines, one of which is the credit evaluation engine (610) and the other one of which is the fraud detection engine (620).
  • the credit evaluation engine (610) collects the rich size of data and forms scores using the artificial intelligence in order to determine credibility.
  • the fraud detection engine (620) observes the data flow and the collected data and as a result of this, it detects the fraud attempt of the user.
  • the fraud detection engine (620) preferably consists of a rapid fraud detection engine (621) which processes both the stream data and the time window data and performs fraud detection operation using machine learning- and rule-based methods, and a main fraud detection engine (622) which performs complex controls for both credit- and individual-based anomalies and prevents possible fraud attempts.

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Abstract

The present invention relates to a credibility evaluation system which presents a decentralized configuration and is blockchain- and machine learning-based and which, utilizing digital IDs of the individuals, provides reliability measurement and microfinance service, and to a method allowing the realization of this system (100).

Description

A CREDIBILITY EVALUATION SYSTEM AND METHOD
Field of the Invention
The present invention relates to a credibility evaluation system which presents a decentralized configuration and is blockchain- and machine learning-based and which utilizing digital IDs of the individuals, provides reliability measurement and microfinance service, and to a method thereof.
Background of the Invention
Today, credit/loan models of the banks and other financial institutions provide service conventionally and they are quite insufficient when it comes to population coverage and credibility evaluation.
At present, 38.5% of the world population does not use banks. Out of those using banks, 42% can fulfi l the credit conditions. As for the global distribution of this fact, the population ratio of those who do not use banks is quite low in European countries, while the population ratio of those having a bank account is rather low in developing or low-income countries. Therefore, financial position and history of many people in such countries cannot be accessed. When we take a look at these results, the misperception that those who do not use banks do not need credits is formed. In fact, the situation is just the contrary. According to the researches, 57% out of those not using banks needs financial support or credit. These people turn to methods suited for their living conditions and preferences, e.g. personal borrowing, layaway and so on, in addition to the known financial methods used today, for their financial needs. There are two factual reasons leading to the contradiction of low banking penetration and high borrowing in ail of these countries. One of these is that the borrowing needs are mostly at microfinance level Hence, it is beyond the scope of conventional banking. Secondly, the banking methods are distant from and incompatible with the cultural structure.
Although credit and financial transactions may generally seem to be banking-based, these transactions are much needed in every sphere of life. For example, there exist no systems that are not only banking-based and can respond to any kind of financial needs of the individuals such as borrowing, making a request for installment shopping and so on. Today, there exist a need for systems which do not present a centralized configuration, and compute credibility positions of individuals by taking various data into account using their digital IDs.
Object of the Invention
The object of the present invention is to provide a credibility evaluation system which presents a decentralized configuration and is blockchain- and machine learning-based and which, utilizing digital IDs of the individuals, provides reliability measurement and microfinance service, and to a method thereof.
Figure imgf000004_0001
A credibility evaluation system which has been developed for achieving the object of the present invention and defined in the first claim and other dependent claims comprises: at least one blockchain-based communication network; at least one communication device which is used by the user for making a credibility evaluation application and obtaining the result for their application via at least one application comprised therein; a plurality of integrated data nodes which operate independent of one another and of the application, provide a certain percentage of score contribution for the scoring performed for credibility evaluation processes, and provide the users with financing possibilities based on the score obtained as a result of the credibility e valuation; at least one request node whi ch contributes or does not contribute to the scoring performed for credibility evaluation processes and provide the users with financing possibili ties based on the score obtained as a result of the evaluation; and a plurality of scoring engines which provide service in a decentralized manner in a way not to be connected to the bloekchain-based communication network as a separate node, operate in isolation from one another and other nodes in terms of data sharing by being installed on each node within the communication device that will contribute to scoring, access to the user's digital information in the application and/or integrated data node and/or request node for the credibility evaluation request, evaluate the digital information accessed thereby independent of other nodes, perform a universal credibility scoring processes for the user, and deliver the scoring results to the user and/or integrated data node and/or nodes and/or request node via the Internet (website) and/or blockchain in an encrypted and secure form.
The scoring engine preferably performs credibility scoring process in six different categories. Said categories are as follows: social media credibility, financial stability, blockchain credibility, user reliability, past payment performance, and previous blockchain credit performance obtained by the user using the system. The scoring engine determines a coefficient in scoring for these categories according to the characteristics of the incoming data.
When the integrated data node and/or request node wants to look at the credibility score of the user, the application sends a confirmation link to the user. If the user confirms this link, then the integrated data node and the request node access the credibility score of the user.
The credibility score calculated by the scoring engine preferably consists of two different scores: fixed score and flexible score. Fixed score does not change by any means and comprises the categories of social media credibility, user reliability, financial stability, and the previous blockchain credit performance of the user. Flexible score, on the other hand, comprises the category of blockchain credibility which is requested by the integrated data node or request node and changeable. In case any user is detected on any node on the blockchain by means of the encrypted ID items, then the independent scoring engine in that node analyzes the user’s data on the respective node through the communication protocol presented by the system. Evaluating these data, the scoring engine forms a dedicated IPFS- based score file on the blockchain. Said score file comprises the scores belonging to the data received from each blockchain node by means of the system protocol provided by the blockchain. The scoring engine and/or scoring engines form(s) the user's scorecard using this score file. The scorecard preferably comprises the weighted scores and total score belonging to six categories which consist of the user’s universal application number, social media credibility, financial stability, blockchain credibility, user reliability, past credit performance, and previous blockchain credit performance of the user. The scoring engines independently operating on the nodes on the blockchain send, subsequent to the user's confirmation, the scorecard preferably to the integrated data node and/or the request node. The scoring engines that are decentralized and operate independent of one another never share the data contained in the nodes which are present on the blockchain and in which they are located with other nodes, and thus ensure the security of data. Only the evaluation results of the data are added to the score file on the blockchain.
The scoring engine preferably consists of two sub-engines, one of which is the credit evaluation engine and the other one of which is the fraud detection engine. The credit evaluation engine collects the rich size of data and forms scores using the artificial intelligence in order to determine credibility. The fraud detection engine, on the other hand, observes the data flow and the collected data and as a result of this, it detects the fraud attempt of the user. The fraud detection engine preferably consists of a rapid fraud detection engine which processes both the stream data and the time window data and performs fraud detection operation using machine teaming- and rule-based methods, and a main fraud detection engine which performs complex controls for both credit- and individual-based anomalies and prevents possible fraud attempts.
The method enabl ing the functioning of the credibility evaluation system according to the invention comprises the following process steps:
performing the registration procedures by the user via the application, making credibility evaluation request by the user, who has completed the registration procedures, via the application,
calculating the credibility score by accessing the user's digital information over the application and integrated data node by means of the scoring engine,
requesting the user's credibility score by the integrated data node and/or request node,
sending a confirmation link to the user via the application by the scoring engine in order to display the requested score,
in case the user confirms, sending the user's encrypted credibility score to the integrated data node and/or request node via the website and/or the integrated data node by means of the scoring engine, and
providing the user with financing possibilities by way of the integrated data node and/or the request node based on the credibility score.
Detailed Description of the Invention
A credibility evaluation system developed for achieving the object of the invention is illustrated in the accompanying drawing, in which;
Fig. 1. Representative schematic view of the credibility evaluation system.
The components in the drawing are enumerated individually and the reference numerals corresponding thereto are presented below. 100. Credibility evaluation system
200. Communication Network
300. Communication device
310. Application
400. Integrated data node
500. Request node
600. Scoring engine
610. Credit evaluation engine
620. Fraud detection engine
621. Rapid fraud detection engine
622. Main fraud detection engine
The credibility evaluation system (100) which presents a decentralized configuration and is blockchain- and machine learning-based and which, utilizing digital IDs of the individuals, provides reliability measurement and microfinance sendee basically comprises;
at least one blockchain-based communication network (200),
at least one communication device (300) which belongs to the user, is connected to the communication network (200) as a node thanks to an application (310) contained therein, and is used by the user for making a credibility evaluation application and obtaining the result for their application,
a plurality of integrated data nodes (400) which are connected to the communication network (200), belong to the banks, shopping companies telecommunication companies and similar companies, operate independent of one another and of the application (310), provide a certain percentage of score contribution for the scoring performed for credibility evaluation processes, observe the score formed as a result of the credibility evaluation upon the user's confirmation, and provide different financing possibilities specific to the users and to its own operating structure based on this score, at least one request node (500) which is connected to the communication network (200) in order to access the score formed as a result of the credibility evaluation made for the user, contributes or does not contribute to the scoring performed for credibility evaluation processes, observe the score formed as a result of the credibility evaluation upon the user's confirmation, and provide different financing possibilities specific to the users and to its own operating structure based on this score, and
and a plurality of scoring engines (600) which provide service in a decentralized manner in a way not to be connected to the blockchain-based communication network (200) as a separate node, operate in isolation from one another and the nodes in terms of data sharing by being installed on each node within the communication device (200) that will contribute to scoring, receive the registration and credibility evaluation requests made by the user via the application (310), access to the user's digital information in the application (310) and/or integrated data node (400) and/or request node (500) for the credibility evaluation request, evaluate the digital information accessed thereby without extracting any data out of the node in which it is located in an isolated manner and add the results to the score file on the blockchain, and thus perform a universal credibility scoring process for the user, and deliver the scoring results to the user and/or integrated data node (400) and/or request node (500) via the website and/or blockchain in an encrypted and secure form based on the request and the user's confirmation (Fig 1). The credibility evaluation method uses the components within the credibility evaluation system (100), wherein it comprises the process steps of:
performing the registration procedures by the user via the application (310), making credibility evaluation request by the user, who has completed the registration procedures, via the application (310), calculating the credibility score by accessing the user's digital information over the application (310) and integrated data node (400) by means of the scoring engine (600),
requesting the user’s credibility score by the integrated data node (400) and/or request node (500),
sending a confirmation link to the user via the application (310) by the scoring engine (600) in order to display the requested score,
in case the user confirms, sending the user's encrypted credibility score to the integrated data node (400) and/or the request node (500) via the website and/or the integrated data node (400) by means of the scoring engine (600), and
providing the user with financing possibilities by way of the integrated data node (400) and/or the request node (500) based on the credibility score.
The credibility evaluation system (100) and method according to the invention provide a blockchain-based and decentralized service and operate in coordination with banking requirements and conventional financial methods. With its decentralized structure which is based on machine learning algorithms, the credibility evaluation system (100) collects and analyzes the digital data used by the users universally and creates a dedicated credibility score as a result of this analysis. The credibility evaluation system (100) presents a universal solution model for credibility and microfmance services. The solution model presented by the credibility evaluation system (100) improves the weak points of the existing credit models and has a simple and yet competent configuration.
In the credibility evaluation system (100), first the users make a registration request using the application (310) in their communication devices (300). During said registration procedures, the application (310) preferably obtains the user information including the user's name, surname, date of birth, legal identification number, address, e-mail, and mobile phone number, and forms a universal application number belonging to the user in addition to such information, and finally records all the information as encrypted user query information. Further, the application (310) requests to have access to any kind of information of the users, e.g. social media accounts, and call records, text messages, and data usage in their communication devices (300). After the user confirms the access request, the application (310) starts the credibility evaluation processes for the user.
The communication device (300) may be a mobile phone, tablet and similar devices.
The scoring engine (600) is not included in the blockchain-based communication network (200) as a separate node; instead, it provides a decentralized service on a node located on the blockchain. The scoring engine (600) performs an encrypted credibility scoring process for the user taking many different criteria into consideration. When the integrated data node (400 ) and the request node (500) want to access the result of the scoring having been performed, the application (310) submits this request to the user for confirmation. In case the user confirms, the integrated data node (400) and/or the request node (500) access to the result of the credibility evaluation scoring.
The scoring engine (600) preferably performs credibility scoring process in six different categories. Said categories are as follows: social media credibility, financial stability, blockchain credibility, user reliability, past credit performance, and previous blockchain credit performance obtained by the user using the system (1). The scoring engine (600) determines a coefficient in scoring for these categories according to the characteristics of the incoming data. In case none of these categories can be accessed or in case the user has no history in the related category, the scoring engine (600) does not include this categor in the scoring process and reaches the total score by changing the coefficient of the other categories. The scoring engine (600) further looks at the data obtained for these different categories and measures the sufficiency of such data. For instance, if the user shopped from a shopping company only for once, then the coefficient to be used for this data will be small, while the coefficient to be used for this data will be big if the user has been shopping from that company for a long time (e.g 1 year). The data may be short-term and with high reliability, or the data may be long-term but with deviations in their structure. The scoring engine (600) evaluates all the combinations and identifies a separate coefficient for each data based on the sufficiency thereof, and forms the total credibility" score of the user taking these coefficients into consideration. The scoring engine (600) has access, via the application (310), to the users' social media accounts as well as any kind of user information including the location, contact (friend) list, call history in their communication devices (300). For example, when social media habits of the user are to be analyzed, the user’s posts and the comments under these posts are taken into consideration. Moreover, the users’ comments and posts in the accounts of their friends are also analyzed. The scoring engine (600) takes the sufficiency of data into account in analysis processes. That is, the user's reciprocal and long-lasting interaction with his/her friends, instead of unilateral acti vities of the user, are considered to a greater extent . The social sphere of the user defines his/her lifestyle in some way. People generally tend to choose their close friends from a sphere with a financial level similar to theirs. Therefore, the characteristics and financial levels of the persons with which the user interacts present an important criterion for the scoring. The scoring engine (600) also has access to any kind of user information including the location, contact (friend) list, call history in their communication devices (300). For instance, the locations most frequently visited by the user typically give information about his/her home and/or the places that s/he goes as a part of his/her social life. The financial value of the location in which said places or house is located may present an important criterion in terms of scoring. Further, the financial level of the persons called or texted by the user will also present another criterion for the scoring process. As a consequence, the scoring engine (600) reaches the scoring result in the category of the user's social media credibility by" means of the application (310). Moreover, the scoring engine (600) may also inquire the category of the user's reliability by means of the application (310). For example, in case the user is never present in the neighborhood that s/he gave as the address information during registration procedures, this means that s/he probably does not live in that address, which, in turn, will cause the user's score to be lower.
The scoring engine (600) performs an encrypted query to each integrated data node (400) and/or request node (500) using the query information of the user. For instance, the scoring engine (600) can make a query to each integrated data node (400) and/or request node (500) database of the shopping company, bank, tel ecommunication firm and the like using one or more of the in formation including the user's name, address, e-mail and so on. The scoring engine (600) reaches the scoring result in the category of hlockchain credibility using the information that it receives from these nodes. The scoring engine (600) is also capable of analyzing the user's financial stability and past credit performance using the information that it receives from the bank(s) in the nodes contained in the blockchain.
If the user has previously used the credibility evaluation system (1) and got a credit, then the user's scorecard is formed taking that blockchain credit performance category into account as well. In this performance, the user's reimbursement information is not taken into consideration. The scorecard comprises the credibility evaluation result for the user and indicates the total credibility score. The credibility score is dynamic, being permanently updated in accordance with the incoming data.
When the integrated data (400) node and/or request node (500) wants to look at the credibility score of the user, the application (310) sends a confirmation link to the user. If the user confirms this link, then the integrated data node (400) and the request node (500) access the credibility score of the user. The integrated data node (400) and the request node (500) are able to provide the user with different financing possibilities specific to their operating structure. For instance, a shopping company may want that the user's score points to at least 80 in order to allow the user to pay for his/her shopping by installments. Said lower limit can be defined by the shopping company itself.
The credibility score calculated by the scoring engine (600) preferably consists of two different scores: fixed score and flexible score. Fixed score does not change by any means and comprises the categories of social media credibility, user reliability, financial stability, and the previous blockchain credit performance of the user. Flexible score, on the other hand, comprises the category of blockchain credibility which is requested by the integrated data node (400) or request node (500) and changeable. For instance, while calculating the user’s credibility score, a shopping company may not want that the score obtained by the user from a telecommunication company is taken into account, or may request that the score coefficient is low . In such a case, that category is not included in scoring or the coefficient of that category is kept low. in case any user is detected on any node on the blockchain by means of the encrypted ID items, then the isolated scoring engine (600) in that node evaluates the user's data on the respective node. Afterwards, the scoring engine (600) adds only the evaluation results of these data to the dedicated IPFS-based score file created on the blockchain, without extracting any data out of the node. Said score file comprises the evaluation result scores received from each blockchain node by means of the communication protocol. The scoring engine (600) forms the user's scorecard using the respective score file. The scorecard preferably comprises the weighted scores and total score belonging to six categories which consist of the user's universal application number, social media credibility, financial stability, blockchain credibility7, user reliability, past credit performance, and previous blockchain credit performance of the user. Subsequent to the user's confirmation, the scoring engine (600) delivers the scorecard preferably to the integrated data node (400) and the request node (500). The scoring engine (600) never shares the data contained in the nodes which are present on the blockchain and in which they7 are located with other nodes and the scoring engines in other nodes, and thus ensures the security of data.
The scoring engine (600) preferably consists of two sub-engines, one of which is the credit evaluation engine (610) and the other one of which is the fraud detection engine (620). The credit evaluation engine (610) collects the rich size of data and forms scores using the artificial intelligence in order to determine credibility. The fraud detection engine (620), on the other hand, observes the data flow and the collected data and as a result of this, it detects the fraud attempt of the user. The fraud detection engine (620) preferably consists of a rapid fraud detection engine (621) which processes both the stream data and the time window data and performs fraud detection operation using machine learning- and rule-based methods, and a main fraud detection engine (622) which performs complex controls for both credit- and individual-based anomalies and prevents possible fraud attempts.

Claims

1. A credibility evaluation system (100) which presents a decentralized configuration and is blockchain- and machine learning-based and which, utilizing digital IDs of the individuals, provides reliability measurement and microfinance sendee, comprising:
at least one blockchain-based communication network (200), and at least one communication device (300) which belongs to the user, is connected to the communication network (200) as a node thanks to an application (310) contained therein, and is used by the user for making a credibility evaluation application and obtaining the result for their application, and characterized by:
a plurality of integrated data nodes (400) which are connected to the communication network (200), belong to the banks, shopping companies telecommunication companies and similar companies, operate independent of one another and of the application (310), provide a certain percentage of score contribution for the scoring performed for credibility evaluation processes, observe the score formed as a result of the credibility evaluation upon the user’s confirmation, and provide different financing possibilities specific to the users and to its own operating structure based on this score, at least one request node (500) which is connected to the communication network (200) in order to access the score formed as a result of the credibility evaluation made for the user, contributes or does not contribute to the scoring performed for credibility evaluation processes, observe the score formed as a result of the credibility evaluation upon the user's confirmation, and provide different financing possibilities specific to the users and to its own operating structure based on this score, and
a plurality of scoring engines (600) which provide service in a decentralized manner in a way not to be connected to the blockchain- based communication network (200) as a separate node, operate in isolation from one another and the nodes in terms of data sharing by being installed on each node within the communication device (200) that will contribute to scoring, receive the registration and credibility evaluation requests made by the user via the application (310), access to the user's digital information in the application (310) and/or integrated data node (400) and/or request node (500) for the credibility evaluation request, evaluate the digital information accessed thereby without extracting any data out of the node in which it is located in an isolated manner and add the results to the score file on the blockchain, and thus perform a universal credibility scoring process for the user, and deliver the scoring results to the user and/or integrated data node (400) and/or request node (500) via the website and/or blockchain in an encrypted and secure form based on the request and the user’s confirmation.
2. A credibility evaluation system (100) as in Claim 1, characterized by an application (310) which, in case of the registration request by the user, obtains the user information including the user's name, surname, date of birth, legal identification number, address, e-mail, and mobile phone number, and forms a universal application number belonging to the user in addition to such information, and finally records all the information as encrypted user query information.
3. A credibility evaluation system (100) as in Claim 1, characterized by an application (310) which requests to have access to any kind of information of the users, e.g. social media accounts, and call records, text messages, and data usage in their communication devices (300) and which initiates the credibility- evaluation processes for the user as a result of the user confirming the access request.
4. A credibility evaluation system ( 100) as in Claim l , characterized by a scoring engine (600) which performs the credibility scoring process over six different categories consisting of social media credibility, financial stability, blockchain credibility, user reliability, past credit performance, and previous blockchain credit performance of the user
5. A credibility evaluation system ( 100) as in Claim 4, characterized by a scoring engine (600) which determines the coefficient in scoring according to the characteristic of the incoming data for the categories; which does not include this category in the scoring process in case none of the categories can be accessed or in case the user has no history in the related category; and which reaches the total score by changing the coefficient of the other categories
6. A credibility evaluation system ( 100) as in Claim 4, characterized by a scoring engine (600) which observes the data obtained for different categories and measures the sufficiency of such data; which evaluates all the combinations and identifies a separate coefficient for each data based on the sufficiency thereof; and which forms the total credibility score of the user taking these coefficients into consideration
7. A credibility evaluation system ( 100) as in Claim 1 , characterized by a scoring engine (600) forming the credibility score which is dynamic and permanently- updated in accordance with the incoming data.
8. A credibility evaluation system (100) as in Claim 1, characterized by an application (310) which sends a confirmation link to the user when the integrated data (400) node and/or request node (500) wants to look at the credibility score of the user. 9. A credibility evaluation system ( 100) as in Claim l , characterized by a scoring engine (600) which calculates the credibility score consisting of two different groups: the fixed score which does not change by any means and comprises the categories of social media credibility, user reliability, financial stability', and the previous blockchain credit performance of the user; and the flexible score which comprises the category of blockchain credibility which is requested by the integrated data node (400) or request node (500) and changeable
10. A credibility evaluation system (100) as in Claim 1 , characterized by a scoring engine (600) which comprises the scores received from each blockchain node by means of the communication protocol during the credibi lity scoring process and forms a dedicated IPFS-based score file, and then using the score file, forms the users scorecard containing the weighted scores and the total score belonging to six different categories consisting of the user's universal application number, social media credibility'-, financial stability'-, blockchain credibility user reliability, past credit performance, and previous blockchain credit performance of the user; and which, subsequent to the user’s confirmation, sends only the total credibility score and the user's universal application number, without sending the scorecard in detail to the integrated data node (400) and the request node (500).
11. A credibility evaluation system ( 100) as in Claim 1 , characterized by a scoring engine (600) which, in case any user is detected on any node on the blockchain by means of the encrypted ID items, evaluates the user’s data on the respective node, and then adds the evaluation results of only these data to the score file containing the evaluation result scores received from each IPFS-based blockchain node created on the blockchain dedicated to the user by means of the communication protocol; and which, using the score file, forms the user’s scorecard containing the weighted scores and the total score belonging to six different categories consisting preferably of the user’s universal application number, social media credibility, financial stability, blockchain credibility user reliability, past credit performance, and previous blockchain credit performance of the user; and which, subsequent to the user's confirmation, sends the scorecard preferably to the integrated data node (400) and the request node (500), and never shares the data contained in the nodes which are present on the hioekchain and in which they are located with other nodes and the scoring engines in other nodes, and thus ensures the security of data
12. A credibility evaluation system ( 100) as in Claim 1 , characterized by a scoring engine (600) which consists of two sub-engines: the credit evaluation engine
(610) which collects the rich size of data and forms scores using the artificial intelligence in order to determine credibility, and the fraud detection engine (620) which observes the data flow and the collected data and as a result of this, detects the fraud attempt of the user
13. A credibility evaluation system (100) as in Claim 11, characterized by a fraud detection engine (620) which consists of a rapid fraud detection engine (621) which processes both the stream data and the time window data and performs fraud detection operation using machine learning- and rale-based methods, and a main fraud detection engine (622) which performs complex controls for both credit- and individual-based anomalies and prevents possible fraud attempts.
14. A credibility evaluation method which presents a decentralized configuration and is blockchain- and machine learning-based and which, utilizing digital IDs of the individuals, provides reliability measurement and microfinance service, characterized by the process steps of:
performing the registration procedures by the user via the application (310) contained in the communication network (200),
making credibility evaluation request by the user, who has completed the registration procedures, via the application (310),
calculating the credibility score by" accessing the user's digital information over the application (310) and integrated data node (400) by means of the scoring engine (600),
requesting the user's credibility score by the integrated data node (400) and/or request node (500),
sending a confirmation link to the user via the application (310) by the scoring engine (600) in order to display the requested score, in case the user confirms, sending the user’s encrypted credibility score to the integrated data node (400) and/or the request node (500) via the website and/or the integra ted data node (400) by means of the scoring engine (600), and
- providing the user with financing possibilities by way of the integrated data node (400) and/or the request node (500) based on the credibility score
15. A credibility evaluation method as in Claim 13, characterized by performing the credibility scoring process over six different categories consisting of social media credibility, financial stability, blockchain credibility, user reliability, past credit performance, and previous blockchain credit performance of the user.
16. A credibility evaluation method as in Claim 13, characterized by performing the credibility scoring process which consists of two different groups: the fixed score which does not change by any means and comprises the categories of social media credibility, user reliability, financial stability, and the previous blockchain credit performance of the user; and the flexible score which comprises the category of blockchain credibility which is requested by the integrated data node (400) or request node (500) and changeable
PCT/TR2018/050162 2017-11-27 2018-04-12 A credibility evaluation system and method WO2019103707A1 (en)

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