Abstract: Techniques are described for conducting an electronic transaction using a split-commission payment service. Techniques can include using currency-based credits, wherein credits are also provided as commissions to a referrer of the payor and a previous payee of the payor. The techniques can include one or more of a payment service providing a payment application to a user device of a user, causing a financial account to be opened on a user's behalf at a financial institution affiliated with the payment service, transferring funds from a funding source of a user to the financial account, associating a user profile of a user with credits equivalent to a balance of the financial account, receiving transaction data for a transaction, determining a payee fee for the transaction, transferring currency or credits equivalent to the transaction amount from payor to payee, splitting the payee fee between at least the payment service, referring user, and previous payee, and distributing currency or credits accordingly.

Abstract: Techniques for augmenting transparency of published transaction data are described. The techniques can include one or more of associating a financial account with an account of a user at a transaction management platform, receiving transaction data from the financial account, categorizing the transaction data, publishing the transaction data, assigning permission levels to user for different levels of access to the amount and granularity of published transaction data, storing an immutable record of transaction data from which changes to the transaction data can be determined, and enabling crowd intelligence about the entity, account, or transactions by recording interaction of users of the published transaction data.

Abstract: Techniques for utilizing thematic repositories for transaction management are described herein. The techniques may include receiving data associated with at least one transaction, and associating at least a subset of the data with at least one thematic repository of a plurality of thematic repositories. An individual thematic repository of the plurality of thematic repositories may be configured to aggregate data from a plurality of transactions that are individually determined to be associated with a theme of the individual thematic repository.

Abstract: Techniques for utilizing thematic repositories for transaction management are described herein. The techniques may include receiving data associated with at least one transaction, and associating at least a subset of the data with at least one thematic repository of a plurality of thematic repositories. An individual thematic repository of the plurality of thematic repositories may be configured to aggregate data from a plurality of transactions that are individually determined to be associated with a theme of the individual thematic repository.

Abstract: Techniques for utilizing thematic repositories for transaction management are described herein. The techniques may include receiving data associated with at least one transaction, and associating at least a subset of the data with at least one thematic repository of a plurality of thematic repositories. An individual thematic repository of the plurality of thematic repositories may be configured to aggregate data from a plurality of transactions that are individually determined to be associated with a theme of the individual thematic repository.

Abstract: Techniques for utilizing thematic repositories for transaction management are described herein. The techniques may include receiving data associated with at least one transaction, and associating at least a subset of the data with at least one thematic repository of a plurality of thematic repositories. An individual thematic repository of the plurality of thematic repositories may be configured to aggregate data from a plurality of transactions that are individually determined to be associated with a theme of the individual thematic repository.

Abstract: Techniques for utilizing thematic repositories for transaction management are described herein. The techniques may include receiving data associated with at least one transaction, and associating at least a subset of the data with at least one thematic repository of a plurality of thematic repositories. An individual thematic repository of the plurality of thematic repositories may be configured to aggregate data from a plurality of transactions that are individually determined to be associated with a theme of the individual thematic repository.