Abstract: Some embodiments provide a custom score generation system by offering third parties access to data from a shared database that they can merge with their own proprietary data for the purpose of defining and producing new data services. The system provides interfaces for selecting data elements from the shared database, attributing weights to the selected data elements, and defining scoring rules or parameters to automatically evaluate the significance of the data element values. Additionally, conditions may be specified to include different sets of the selected data elements, to attribute different weights to the different sets of the selected data elements, and to define different scoring rules according to which conditions are satisfied. The system then automatically formulates the algorithm to produce the custom score in conformance with the provided inputs and based on values for the selected data elements that are specific to different entities.

Abstract: A credibility scoring system produces a multi-dimensional entity credibility score that is derived from multiple dimensional component scores. The credibility scoring system derives each dimensional component score from a different set of credibility data pertaining to different dimensional aspect of overall credibility. The different dimensional aspects factoring into the overall credibility determination include a stability dimension, transparency dimension, trustworthiness dimension, and sentiment dimension.

Abstract: A system is provided to restrict the ability of a spammer to freely contact an entity over a communication channel. To do so, the system reconfigures a communication channel used to contact the target entity such that the system can intercept a communication from a source contacting entity en route to the target entity. The system extracts an identifier (e.g., contacting entity's telephone number) from the communication and uses the identifier to query a database storing information about the contacting entity. The information reveals the contacting entity's industry, occupation, credibility, etc. From this information, the system automatically identifies the contacting entity as a spammer, potential spammer, or non-spammer. The system performs a default screening of the communication based on the classification. Alternatively, the target contacted entity can specify a configuration for different actions the system takes to screen the communication based on the source contacting entity classification.

Abstract: Some embodiments provide an independent authentication system for authenticating entities that have registered accounts across different online service providers on behalf of the service providers. The authentication system maintains a database of previously verified entity information. A service provider requests authentication by providing the authentication system with unverified and basic identifying information used by an entity when registering with the service provider. The authentication system attempts to match the registration information against previously verified information for a known entity. When a match is found, the authentication system generates a series of challenge questions. The questions are submitted to the entity through the service provider and answers are processed in order to authenticate the entity.

Abstract: Some embodiments provide a guarantor system for backstopping all or a substantial portion of a lender's portfolio of loans with an insurance guarantee. The guarantor system builds the insurance guarantee into the covered portion of the lender's portfolio in an integrated manner, whereby the overhead cost for insuring the loans of the portfolio is distributed across the portfolio instead of being distributed individually to each borrower based on the individual borrower's risk profile. Some embodiments also provide various monitoring services to reduce lender risk. These include contacting the borrower to remind the borrower of upcoming payments that are due, conducting a quasi-audit of the borrowers to inform the lenders of a potential risk of default, and establishing a credit profile for the borrower using the information collected as part of the quasi-audit.

Abstract: Some embodiments provide an advocate system to facilitate automated online presence verification for different entities on behalf of the entities. The advocate system places service providers on notice that profiles and information hosted by them and that form the online presence for a particular entity should first be verified with that particular entity. The advocate system further facilitates online presence verification by 1) directly or indirectly connecting the service providers that are placed on notice with the appropriate authoritative entities to facilitate the verification of the profiles and information, 2) selectively targeting service providers hosting profiles and information that are unverified, 3) automatedly verifying hosted profiles and information based on a verified profile lists and verified information that authoritative entities provide to a central repository.

Abstract: A system is provided to restrict the ability of a spammer to freely contact an entity over a communication channel. To do so, the system reconfigures a communication channel used to contact the target entity such that the system can intercept a communication from a source contacting entity en route to the target entity. The system extracts an identifier (e.g., contacting entity's telephone number) from the communication and uses the identifier to query a database storing information about the contacting entity. The information reveals the contacting entity's industry, occupation, credibility, etc. From this information, the system automatically identifies the contacting entity as a spammer, potential spammer, or non-spammer. The system performs a default screening of the communication based on the classification. Alternatively, the target contacted entity can specify a configuration for different actions the system takes to screen the communication based on the source contacting entity classification.

Abstract: Some embodiments provide a verification system for automated verification of entities. The verification system automatedly verifies entities using a two part verification campaign. One part verifies that the entity is the true owner of the entity account to be verified. This verification step involves (1) the entity receiving a verification code at the entity account and returning the verification code to the verification system, (2) the entity associating an account that it has registered at a service provider to an account that the verification system has registered at the service provider, (3) both. Another part verifies the entity can respond to communications that are sent to methods of contact that have been previously verified as belonging to the entity. The verification system submits a first communication with a code using a verified method of contact. The verification system then monitors for a second communication to be returned with the code.

Abstract: A credibility scoring system produces a multi-dimensional entity credibility score that is derived from multiple dimensional component scores. The credibility scoring system derives each dimensional component score from a different set of credibility data pertaining to different dimensional aspect of overall credibility. The different dimensional aspects factoring into the overall credibility determination include a stability dimension, transparency dimension, trustworthiness dimension, and sentiment dimension.

Abstract: Some embodiments provide a custom score generation system by offering third parties access to data from a shared database that they can merge with their own proprietary data for the purpose of defining and producing new data services. The system provides interfaces for selecting data elements from the shared database, attributing weights to the selected data elements, and defining scoring rules or parameters to automatically evaluate the significance of the data element values. Additionally, conditions may be specified to include different sets of the selected data elements, to attribute different weights to the different sets of the selected data elements, and to define different scoring rules according to which conditions are satisfied. The system then automatically formulates the algorithm to produce the custom score in conformance with the provided inputs and based on values for the selected data elements that are specific to different entities.

Abstract: Some embodiments provide a communication tool that directly sends messages to accounts of different entities across different social media sites by automatically identifying and associating the accounts of the entities when the entities are referenced in the contents of the messages. Such identification and association is performed without the message originator manually specifying the accounts as intended recipients for the messages. The communication tool also automatically sends messages to different social media accounts of the message originator.

Abstract: Some embodiments provide a communication tool that directly sends messages to accounts of different entities across different social media sites by automatically identifying and associating the accounts of the entities when the entities are referenced in the contents of the messages. Such identification and association is performed without the message originator manually specifying the accounts as intended recipients for the messages. The communication tool also automatically sends messages to different social media accounts of the message originator.

Abstract: Some embodiments provide an advocate system to facilitate automated online presence verification for different entities on behalf of the entities. The advocate system places service providers on notice that profiles and information hosted by them and that form the online presence for a particular entity should first be verified with that particular entity. The advocate system further facilitates online presence verification by 1) directly or indirectly connecting the service providers that are placed on notice with the appropriate authoritative entities to facilitate the verification of the profiles and information, 2) selectively targeting service providers hosting profiles and information that are unverified, 3) automatedly verifying hosted profiles and information based on a verified profile lists and verified information that authoritative entities provide to a central repository.

Abstract: Some embodiments provide a verification system for automated verification of entities. The verification system automatedly verifies entities using a two part verification campaign. One part verifies that the entity is the true owner of the entity account to be verified. This verification step involves (1) the entity receiving a verification code at the entity account and returning the verification code to the verification system, (2) the entity associating an account that it has registered at a service provider to an account that the verification system has registered at the service provider, (3) both. Another part verifies the entity can respond to communications that are sent to methods of contact that have been previously verified as belonging to the entity. The verification system submits a first communication with a code using a verified method of contact. The verification system then monitors for a second communication to be returned with the code.

Abstract: Some embodiments provide a credibility management system that aggregates user posts from several social media sites contemporaneously with the posts being published to those sites. The system parses each of the aggregated posts to identify an entity that is targeted in each of the posts and presents the posts to the targeted entities in a real-time manner. The credibility management system computes a score to determine the impact that a user post would have on the credibility of a targeted entity. By presenting the computed scores and aggregated posts to the targeted entities, the credibility management system notifies the targeted entities about what is being said about them across social media, identifies the impact of those posts, and provides a platform whereby the targeted entities can reply in order to mitigate or improve the impact that the posts would have on credibility.

Abstract: Some embodiments promote website credibility and the optimization of websites for people by automatedly quantifying various elements of a website into component credibility scores. In some embodiments, a set of encoded credibility scoring rules are used to compute each of the component credibility scores, wherein the credibility scoring rules are derived based on factors that have been identified by a grouping of people that preferably represent a primary demographic of users that consume the content of a particular classified type of website. In some such embodiments, the credibility scoring rules are derived from commonality that is identified from a sample set of known credible and/or non-credible websites of a particular classification. Once the credibility scoring rules are defined, the system applies the rules to other websites having the same classification as those from which the rules are derived to automatically generate credibility scores for the other websites.

Abstract: A credibility scoring system produces a multi-dimensional entity credibility score that is derived from multiple dimensional component scores. The credibility scoring system derives each dimensional component score from a different set of credibility data pertaining to different dimensional aspect of overall credibility. The different dimensional aspects factoring into the overall credibility determination include a stability dimension, transparency dimension, trustworthiness dimension, and sentiment dimension.

Abstract: Some embodiments provide an advocate system to facilitate automated online presence verification for different entities on behalf of the entities. The advocate system places service providers on notice that profiles and information hosted by them and that form the online presence for a particular entity should first be verified with that particular entity. The advocate system further facilitates online presence verification by 1) directly or indirectly connecting the service providers that are placed on notice with the appropriate authoritative entities to facilitate the verification of the profiles and information, 2) selectively targeting service providers hosting profiles and information that are unverified, 3) automatedly verifying hosted profiles and information based on a verified profile lists and verified information that authoritative entities provide to a central repository.

Abstract: Some embodiments provide a communication tool that directly sends messages to accounts of different entities across different social media sites by automatically identifying and associating the accounts of the entities when the entities are referenced in the contents of the messages. Such identification and association is performed without the message originator manually specifying the accounts as intended recipients for the messages. The communication tool also automatically sends messages to different social media accounts of the message originator.

Abstract: Some embodiments provide a verification system for automated verification of entities. The verification system automatedly verifies entities using a two part verification campaign. One part verifies that the entity is the true owner of the entity account to be verified. This verification step involves (1) the entity receiving a verification code at the entity account and returning the verification code to the verification system, (2) the entity associating an account that it has registered at a service provider to an account that the verification system has registered at the service provider, (3) both. Another part verifies the entity can respond to communications that are sent to methods of contact that have been previously verified as belonging to the entity. The verification system submits a first communication with a code using a verified method of contact. The verification system then monitors for a second communication to be returned with the code.