Abstract: A system and method for facilitating user confidence over a network, according to one or more embodiments, includes receiving an inquiry from a user via a user device over the network, obtaining information related to the user from the inquiry, accessing a user account related to the user based on information passed with the inquiry, reviewing user transaction history of one or more previous transactions conducted over the network between the user and one or more other users, reviewing user connections of one or more other users that have prior knowledge of the user, determining a universal trust score based on user information related to the user transaction history and the user connections, and notifying the user of the universal trust score via the user device over the network.

Abstract: A payment method according to an embodiment comprises receiving, by a payment provider, a payment amount for an application, product and/or service selected by a user over a client device, wherein the payment amount is split between one or more receivers according to instructions provided for splitting the payment amount; and transferring the payment amount to one or more accounts among the one or more receivers according to the instructions.