Systems and methods for enhanced organizational transparency using a credit chain
Systems and methods for enhanced organizational transparency using a linked activity chain in a ledger are disclosed. In one embodiment, a method may include (1) a back end for an organization comprising at least one computer processor receiving a first communication from a first entity comprising a first customer interaction with the first entity; (2) the back end writing the first communication to a ledger for the organization as a first block in a linked activity chain; (3) the back end receiving a second communication from a second entity comprising a second customer second activity with the second entity; (4) the back end writing the second communication to the ledger for the organization as a second block in the linked activity chain; (5) the back end calculating a summary score for the customer based on the blocks in the linked activity chain.
1. A method for enhanced organizational transparency using a linked activity chain in a distributed ledger, comprising:
a back end for an organization comprising at least one computer processor receiving a first communication from a first entity comprising a first customer financial activity for a customer with the first entity;
the back end writing the first communication to a distributed ledger for the organization as a first block in a linked activity chain;
the back end receiving a second communication from a second entity comprising a customer second financial activity for the customer with the second entity;
the back end writing the second communication to the distributed ledger for the organization as a second block in the linked activity chain; and
the back end calculating a financial summary score for the customer based on the blocks in the linked activity chain, wherein the financial summary score indicates a financial risk exposure to the organization based on the customer's first financial activity and second financial activity.
2. The method of claim 1 , wherein the first financial activity or the second financial activity comprises a financial transaction.
3. The method of claim 1 , wherein the first financial activity or the second financial activity is a mortgage.
4. The method of claim 1 , wherein at least one of the first financial activity and the second financial activity indicates a fraudulent activity.
5. The method of claim 1 , wherein at least one of the first entity and the second entity is internal to the organization.
6. The method of claim 1 , wherein at least one of the first entity and the second entity is external to the organization.
7. The method of claim 1 , further comprising:
the back end receiving, from a requesting entity, a request for the financial summary score; and
the back end communicating, to the requesting entity, the financial summary score.
8. The method of claim 7 , wherein the requesting entity is one of the first entity or the second entity.
9. The method of claim 1 , wherein the first communication comprises a smart contract.
10. The method of claim 1 , wherein the distributed ledger is specific to the customer.
11. The method of claim 1 , wherein the distributed ledger comprises activities for a plurality of customers.
12. The method of claim 1 , wherein the linked activity chain is a blockchain.
13. The method of claim 12 , wherein the first block and the second block each comprise a hash of a previous block in the activity chain.
14. The method of claim 1 , wherein the financial summary score indicates a financial status of the customer.
15. The method of claim 1 , further comprising:
providing an alert to at least one of the first entity, the second entity, and a third party based on the financial summary score.
16. The method of claim 15 , wherein the first entity, the second entity, or the third party has extended credit to the customer.
17. The method of claim 1 , further comprising:
preventing credit from being offered to the customer based on the financial summary score.
18. The method of claim 1 , wherein at least one of the first customer and the second customer activity is a financial exposure.
19. The method of claim 1 , wherein at least one of the first customer and the second customer activity is a financial improvement comprising at least one of an income activity and a deposit activity.