SYSTEM AND METHOD FOR PROVIDING A CONTEXT-BASED USER TRUST SCORE
A system and method for generating a context-based user trust score is disclosed. A user requests, via a user application running on a personal device, access to a premium service. The premium service is related to a particular market segment. The user then grants, via the user application running on the personal device, access to a subset of personally identifiable information stored on a decentralized web node of a user. The subset of personally identifiable information is related to the particular market segment. A trust score application programming interface running on a processor accesses the subset of personally identifiable information on the decentralized web node of the user and calculates a context-based user trust score based thereon. The trust score application programming interface running on the processor then provides the calculated context-based user trust score, which is preferably a verifiable credential, to the decentralized web node of the user.
1 . A method of generating a context-based user trust score, comprising:
requesting, via a user application running on a personal device, access to a premium service, the premium service related to a particular market segment;
granting, via the user application running on the personal device, access to a subset of personally identifiable information stored on a decentralized web node of a user, the subset of personally identifiable information related to the particular market segment;
accessing, by a trust score application programming interface running on a processor, the subset of personally identifiable information on the decentralized web node of the user and calculating a context-based user trust score based thereon; and
providing, by the trust score application programming interface running on the processor, the calculated context-based user trust score to the decentralized web node of the user.
2 . The method of claim 1 , wherein the decentralized web node of a user is provided locally via the personal device.
3 . The method of claim 1 , wherein the decentralized web node of a user is provided remotely via a decentralized web node application programming interface running on a processor at a remote server.
4 . The method of claim 1 , wherein the particular market segment corresponds to retail businesses.
5 . The method of claim 1 , wherein the particular market segment corresponds to hospitality businesses.
6 . The method of claim 1 , wherein the particular market segment corresponds to financial institutions.
7 . The method of claim 1 , wherein the decentralized web node is identified by a decentralized identifier.
8 . The method of claim 7 , wherein the decentralized identifier is obtained via a decentralized identifier resolver application programming interface running on an associated processor of a decentralized identifier resolver server.
9 . The method of claim 1 , wherein the context-based user trust score is a verifiable credential.
10 . The method of claim 1 , wherein the subset of personally identifiable information accessed by the trust score application programming interface is processed using homomorphic encryption.
11 . A system of generating a context-based user trust score, comprising:
a user device having a processor and a non-transitory computer-readable storage medium, the non-transitory computer-readable storage medium having executable instructions for a user application, which when executed, cause the processor to perform the following operations:
request access to a premium service, the premium service related to a particular market segment; and
grant access to a subset of personally identifiable information stored on a decentralized web node of a user, the subset of personally identifiable information related to the particular market segment; and
a trust score server having a processor and a non-transitory computer-readable storage medium, the non-transitory computer-readable storage medium having executable instructions for a trust score application programming interface, which when executed, cause the processor to perform the following operations:
access the subset of personally identifiable information on the decentralized web node of the user and calculating a context-based user trust score based thereon; and
provide the calculated context-based user trust score to the decentralized web node of the user.
12 . The system of claim 11 , wherein the decentralized web node of a user is provided locally via the user device.
13 . The system of claim 11 , wherein the decentralized web node of a user is provided remotely via a decentralized web node application programming interface running on a processor at a remote server.
14 . The system of claim 11 , wherein the particular market segment corresponds to retail businesses.
15 . The system of claim 11 , wherein the particular market segment corresponds to hospitality businesses.
16 . The system of claim 11 , wherein the particular market segment corresponds to financial institutions.
17 . The system of claim 11 , wherein the decentralized web node is identified by a decentralized identifier.
18 . The system of claim 17 , further comprising a decentralized identifier resolver server having a processor and a non-transitory computer-readable storage medium, the non-transitory computer-readable storage medium having executable instructions for a decentralized identifier resolver application programming interface, which when executed, cause the processor to perform the following operations:
provide the decentralized identifier upon request from an associated distributed ledger.
19 . The system of claim 11 , wherein the context-based user trust score is a verifiable credential.
20 . The system of claim 11 , wherein the subset of personally identifiable information accessed by the trust score application programming interface is processed using homomorphic encryption.