It might be time to sort through friends Facebook . Assuming that if your dating are defaulters, you have to be as, the social network Tuesday filed a new patent.
soberly entitled “Authorization and Authentication based on the social network of an individual,” this new technology would authenticate a person through his Facebook friends. For now, nothing shocking good, but service could be offered “to third parties” and in particular to bank .
The patent is accurate, the process is described in words: “When an individual applies for a loan, the lender reviews the scores of credit Members the social network this individual via a licensed node. If the average credit score of its members reaches the minimum credit score, the lender continues to review the loan application. Otherwise, the request is rejected. “
In short, if your friends had difficulties repaying their credit, you will get them and it would be wise not to lend you money (or so at a higher rate).
US companies already on the sector
If Facebook launches today in this area, the company is not the only one on the market. In the United States and the Lenddo LendUp companies have already positioned in this sector. One like the other using data left by Internet users on social networks to determine their ability to repay their loan.
In France, we’re not there even though our banks they also approach the social-networks.
The Obs reports several initiatives. That of the Postal Bank, for example. His advisors open accounts on the social network to maintain contact with their customers. BNP Paribas-would also have taken the plunge in early summer in alliance with Facebook, but also Twitter, Google and LinkedIn, to improve “the relevance of its offerings based on customer expectations.”
However, we must temper the ambitions of Facebook. It is quite common for web companies to file patents without the real will to use them.
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