44. Christopher Lunt, United States Patent: 9100400—Authorization and authentication based on an individual’s social network, issued August 4, 2015, http://patft.uspto.gov/netacgi/nph-Parser?Sect1=PTO1&Sect2=HITOFF&d =PALL&p=1&u=%2Fnetahtml%2FPTO%2Fsrchnum.htm&r=1&f=G&l=50&s1 =9100400.PN.&OS=PN/9100400&RS=PN/9100400. The critical paragraph in the patent reads as follows: “In a fourth embodiment of the invention, the service provider is a lender. When an individual applies for a loan, the lender examines the credit ratings of members of the individual’s social network who are connected to the individual through authorized nodes. If the average credit rating of these members is at least a minimum credit score, the lender continues to process the loan application. Otherwise, the loan application is rejected.”

Shoshana Zuboff, The Age of Surveillance Cap…, loc. 2615