| CPC G06Q 40/03 (2023.01) [G06F 16/27 (2019.01); G06N 20/00 (2019.01); G06Q 30/0185 (2013.01); G06Q 30/0205 (2013.01); G06Q 30/0282 (2013.01); G06Q 50/22 (2013.01); G06F 21/31 (2013.01); H04L 9/3239 (2013.01); H04L 9/3247 (2013.01); H04L 9/50 (2022.05)] | 17 Claims |
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1. A system, comprising:
one or more sensors configured to acquire sensor data representative of a first geographic area lacking a service, wherein the sensor data comprises:
municipal data indicative of weather present in the first geographic area over a first period of time;
vehicular data indicative of operational properties of a plurality of vehicles in the first geographic area over the first period of time; and
utility data indicative of utility consumption, utility costs, types of utility services, or any combination thereof over the first period of time;
a processor configured to:
receive a request for a loan from a requesting party, wherein the request is associated with the service to be provided in the first geographic area;
retrieve a reputation score associated with the requesting party, wherein the reputation score corresponds to a risk in granting the loan, and wherein the reputation score is determined based on financial information associated with the requesting party;
determine, based on the sensor data, a community factor score for the first geographic area, wherein the community factor score is representative of traffic conditions, weather conditions, and utility consumption data within the first geographic area;
identify a second geographic area having the service based on a comparison between the sensor data and additional sensor data acquired by one or more additional sensors, wherein the additional sensor data comprises:
additional municipal data indicative of weather present in the second geographic area over a second period of time;
additional vehicular data indicative of additional operational properties of an additional plurality of vehicles in the second geographic areas over the second period of time; and
additional utility data indicative of utility consumption, utility costs, types of utility services, or any combination thereof over the second period of time;
determine, based on the additional sensor data, an additional community factor score for the second geographic area, wherein the additional community factor score is representative of additional traffic conditions, additional weather conditions, and additional utility consumption data within the second geographic area;
determine that the first geographical area is suitable for the service based on a comparison between the community factor score for the first geographic area and the additional community factor score for the second geographic area;
identify an additional party for providing the loan to the requesting party based on the reputation score exceeding a threshold;
automatically update permission information to authorize access of a distributed ledger by the additional party, wherein the distributed ledger corresponds to the requesting party;
receive an indication of an acceptance to provide funds to the requesting party from an additional computing device that corresponds to the additional party; and
automatically transfer funds to an account associated with the requesting party via a smart contract in response to the smart contract confirming that:
the indication of the acceptance is received;
the first geographical area is suitable for the service; and
the reputation score exceeding the threshold, wherein the funds are automatically transferred via the smart contract stored on an additional distributed ledger associated with the additional party.
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