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  • Facebook запатентовал технологию рекомендаций по кредитам на основе друзей в соцсети
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Electronic services

Facebook запатентовал технологию рекомендаций по кредитам на основе друзей в соцсети

Патентный офис США одобрил патент Facebook на технологию, которая должна помочь кредитным организациям оценить надежность заемщика на основе его связей в социальной сети. Основным назначением технологии является защита против спама на основе проверки наличия прямой подтвержденной связи между пользователями. Алгоритм не позволит пользователям свободно рассылать сообщения незнакомым контактам. Однако в описании также говорится об оценке среднего кредитного рейтинга подтвержденных связей индивида, на основе которой в выдаче кредита может быть отказано автоматически. В случае внедрения технологии банками 51 млн американцев будут ограничены в доступе к банковским услугам и будут вынуждены прибегнуть к более рискованным альтернативам в виде быстрых кредитов с подневной оплатой.





via | point.md

„Acest articol aparține exclusiv P.P. „Monitorul fiscal FISC.md” și este protejat de Legea privind drepturile de autor.
Orice preluare a conținutului se face doar cu indicarea SURSEI și cu LINK ACTIV către pagina articolului”.

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The date of publishing:

06 August /2015 15:42

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