Abstract: A method, computer system, and computer program product are provided for facilitating peer-to-peer micro-loan transactions. A micro-loan system determines integrity scores for a plurality of users. The integrity scores are based on human capital management information and peer-submitted feedback. These micro-loan system receives a loan transaction request from a borrower-user, and determines a risk score for the loan transaction based the borrower's integrity score. The micro-loan system identifies potential lenders based on the determined transaction risk and the lenders' integrity scores. The micro-loan system facilitates a negotiation between the borrower and the potential lenders to determine transaction terms. When terms are finalized, the loan transaction and the transaction terms are recorded in a distributed ledger, and loan funds are remitted to the borrower.

Abstract: A method, computer system, and computer program product are provided for facilitating peer-to-peer micro-loan transactions. A micro-loan system determines integrity scores for a plurality of users. The integrity scores are based on human capital management information and peer-submitted feedback. These micro-loan system receives a loan transaction request from a borrower-user, and determines a risk score for the loan transaction based the borrower's integrity score. The micro-loan system identifies potential lenders based on the determined transaction risk and the lenders' integrity scores. The micro-loan system facilitates a negotiation between the borrower and the potential lenders to determine transaction terms. When terms are finalized, the loan transaction and the transaction terms are recorded in a distributed ledger, and loan funds are remitted to the borrower.

Abstract: Location information relating to a changeable location of a mobile device is received. An automatic determination is made as to whether an asset is closest in geographic proximity to the location of the mobile device where the asset is selected from a plurality of assets. Based upon the selected asset, mobile interface information is automatically retrieved where this information is specifically associated with the selected asset. The mobile interface information is automatically sent to the mobile device for display to the user without any interaction from the user.

Abstract: Location information relating to a changeable location of a mobile device is received. An automatic determination is made as to whether an asset is closest in geographic proximity to the location of the mobile device where the asset is selected from a plurality of assets. Based upon the selected asset, mobile interface information is automatically retrieved where this information is specifically associated with the selected asset. The mobile interface information is automatically sent to the mobile device for display to the user without any interaction from the user.