Abstract: Systems and methods are directed to assessing risk and triggering a mitigation action prior to executing an offer based on a level of risk. Risk models are trained with data extracted from past transactions, whereby the risk models are configured to determine levels of risk for potential transactions. A request to make an offer on a listing representing an item is received. In response, the system identifies one or more account attributes associated with the user account and determines a level of risk by applying the one or more account attributes to one or more of the risk models. If the level of risk transgresses a threshold, the system triggers the automatic payment flow prior to executing the offer, which includes causing display of an information request user interface through which payment and shipping information is received. Responsive to receiving the payment and shipping information, the offer is executed.

Abstract: Aspects of the present disclosure relate to transaction security techniques. In examples, a resource platform causes a set of executable verification instructions associated with an authorization processor to be executed by a user computing device. The verification instructions may be encrypted by the authorization processor for decryption by the user computing device. The verification instructions may generate verification information associated with the user computing device. In some instances, the verification information may be encrypted for decryption by the authorization processor. The encrypted verification instructions may be provided to the authorization processor (e.g., via the resource platform), such that the authorization processor may provide an indication to the resource platform as to whether the verification is verified.

Abstract: Systems and methods are provided for identifying an item that is counterfeit in the marketplace. Sales of counterfeit items in marketplaces, particularly at auction places, have been an issue. There has been a need to automatically detect an item that is counterfeit when a seller submits the item for sale in the marketplace. The disclosed technology receives information about an item for transaction. The information associated with the item includes metadata related to the item and an image of the item. The method uses a database of items that are known to be not for sale (e.g., a stock photo) or is otherwise a counterfeit item. The method matches the data of the item against the data in the database and identifies the item as counterfeit based on the matched result. The matching operation includes analyzing the data (e.g., image analyses using features of the image data).

Abstract: Systems and methods provide determining a reputation score of a buyer of a transaction of an item. An online shopping server receives buyer information and determines the reputation score of the buyer based on a transaction history of the buyer. The reputation score corresponds to a transaction type (e.g., a credit card transaction and a prepaid cash transaction) in varied levels of burden on the buyer. The online shopping server permits a buyer with a lower reputation score with a type of transaction that is higher in burden to perform for the buyer. The online shopping server performs the transaction based on the determined transaction type. The online shopping server updates the reputation score of the buyer based on a result of the transaction. Sellers of items uses reputation scores of buyers for providing distinguished sales items to buyers with higher reputations.