US Patent 8117106 Reputation scoring and reporting system

The reputation scoring and reporting system for accounts associated with telephone numbers and maintained in an electronic database includes processing a request for a reputation report corresponding to an account in the database. The request is authenticated via the telephone number associated with the account. A reputation report is then sent to a subscriber in response to an authenticated request. In return, transaction information between the subscriber and entity is associated with the account in the electronic database. The reputation score for the account is calculated in real-time based on the transaction information stored in the electronic database.