Abstract: A system and method to provide social and graph credit scoring, valuation and monetization. The valuation and monetization system provides users, service providers and other agents with a credit scoring and rating system. An application programming interface provides a platform for integration of all types of financial, business and personal services into the logic and classification infrastructure. A graph assets and collateralization clearinghouse creates a secure platform for collateralization. The graph assets information database provides core classification services for ranking, indexing, and content analysis. In a specific embodiment a financial services provider utilizes the social credit scoring, valuation and monetization platform to process and approve qualified credit line applicants.

Abstract: A system for exchanging and valuing points or rewards from a plurality of loyalty programs using a “settlement point” in a clearinghouse to settle, convert, credit and debit points between accounts regardless of the type of goods or services. The points are underwritten using assets and guarantees held by a custodian, relying on actuarial estimates of redemption. The points are also used as assets for securities, thereby facilitating the valuing and liquidity of the settlement points, or as assets to secure financial or insurance services.