Abstract: Disclosed are example embodiments of systems and methods for provisioning and/or using tokens for unsupported accounts. In an example embodiment, a method generally includes receiving, by a token host computing device, from a wallet application in a mobile device, a provisioning request to provision a token for an account, where the account is unsupported by the wallet application. The method also includes generating a token for the account and storing the token in a memory in association with an account number for the account. The method then further includes returning the token to the wallet application, whereby the token is stored in the mobile device for use in initiating transactions to the account.

Abstract: A method includes receiving, by a computing system, a curbside transaction request from a user device, the curbside transaction request including a transaction description; determining, by the computing system, based on the transaction description and a branch service availability, a branch location from a plurality of branch locations associated with the financial institution; updating, in real-time by the computing system, the branch location based on additional information received from the user device; transmitting, by the computing system, a curbside set-up request to the branch location; authenticating, by the computing system, the account holder at the branch location to initiate a transaction in accordance with the transaction request, wherein the account holder is authenticated based on geolocation information associated with the user device relative to a location of the branch location; and enabling a customer to access a receptacle prepared for the transaction.

Abstract: A method for managing online digital assets is provided. The method includes: receiving a first input data generated in response to an applied first input operation; enabling a target module among a plurality of modules according to the first input data, wherein the modules comprise a home page module, a creation module, a collaboration module, a marketplace module, a consumer module and a curation module; receiving a second input data generated in response to an applied second input operation; performing a target operation of the target module for managing the online digital asset according to the second input data; sending a first request corresponding to the target operation to a server; and receiving a first response corresponding to the first request from a server, wherein the first response is generated via a smart contract corresponding to the target operation, so as to complete the management of the online digital asset.

Abstract: In general terms this invention provides embodiment of systems that permit better usage of consumer generated data that permit the consumer methods to monetize the information and maintain control over the data at the time of its creation and at later times. Certain embodiments comprise a user whose interaction can cause a provider to create data regarding the interaction. The user can authenticate the data using encryption aspects and permit the user to self-publish data. The self-publishing can occur in a manner that only requires direct trust of the technology provider regarding the data validity. The invention may incorporate an Ethereum network. Embodiments of the system may verify, exchange, encrypt and decrypt data allowing purchasers to purchase the data or certain portions of it.

Abstract: Disclosed are various aspects of a dual networked point-of-sale system and methods of data exchange upon network failure. In one aspect, a point-of-sale device is provided that is in communication with a wireless access point. Wherein upon failure of the wireless access point, the point-of-sale device attempts to connect through a mesh network to an additional point-of-sale device to attempt processing a financial transaction. In some aspects, the point-of-sale device heals itself from network failure by utilizing the node to node connection of a mesh network, in other aspects, the event environment becomes a swarm network wherein a plurality of point-of-sale devices interact and communication on both a traditional WLAN and a mesh network, providing network stability and redundancy.

Abstract: Systems and methods involving secure connections between security meshes are disclosed herein. One disclosed device includes a first security processor located within a first security mesh, a first casing having a connector and supporting the first security mesh and the applications processor, a second security processor located within a second security mesh, and a second casing connected to the first casing via the connector and supporting the second security mesh. The first security processor and second security processor are programmed to generate a unique pre-shared key independently on both the first security processor and the second security processor using an elliptic key exchange and establish a secure connection between the first security processor and the second security processor using the unique pre-shared key.

Abstract: Disclosed are various aspects of a point-of-sale system, such aspects may include a computing device encased in a weather resistant shell and electronically connected to peripheral components through a controller board. The controller board may be located in a first void region of the weather resistant shell to allow protection of the electrical components from the elements. A point-of-sale system may include a power supply, wherein the power supply is in electrical connection with the controller board and in a second void region of the weather resistant shell. A point-of-sale system may include a payment device, having an EMV chip card reader, a magnetic stripe card reader, a near field communication (“NFC”) reader, wherein the payment device is in electrical communication with the controller board and in a third void region of the weather resistant shell.

Abstract: An article registration device detects an area where a merchandise item is put, performs image capture corresponding to the brightness of the area, and registers the article within the captured image, a cart POS system equipped with an article registration device, and an article registration method. The article registration device includes an image pickup device, an illumination unit, a position detection unit, and an information terminal. The position detection unit divides an image capture area into a plurality of areas and detects an area where the article is put under the illumination of the illumination unit. The information terminal sets an exposure time under the illumination of the illumination unit on a per image pickup device basis in such a way that the set amount of exposure is achieved, and causes the capture an image, recognize the article within the captured image, and register the article.

Abstract: Embodiments described herein are generally related to systems and methods for providing access to software products or services in a cloud computing or other computing environment. Dynamic rate card management allows organizations to optimize the number of rate cards to a manageable level wherein, for example, rate cards can be associated with the type of contract policy. In accordance with an embodiment, in order to accommodate the use of dynamic rate cards, a migration service or process can be used to convert/migrate subscriptions that were originally created under a first, legacy or former subscription pricing model, to conform instead with a subscription pricing service model, for use with the various systems, methods, and features described herein.

Abstract: A method for performing a transaction between a second client and a first client, comprising: defining a transaction, including a payment amount; the first client sending the transaction to a central server; the defined transaction being associated with an identifier; the second client providing, to the central server and using said identifier, payment information comprising a desired payment channel; said payment being executed based on said payment information, using said desired payment channel and the central server being provided payment confirmation information; and the central server providing, to the first client and using said identifier, payment confirmation. The invention also relates to a system and to a computer software product.

Abstract: Systems and related methods facilitating payments with a mobile device are discussed herein. Circuitry in a networked-based payment system may be configured to receive payment information from a first device. The first device may include circuitry configured to wirelessly receive wallet identifying data from the payment system. The wallet identifying data may be used to secure messages between the first device and another device over a wireless link. For example, the first device may be configured to send the wallet identifying data to a second device, which may then communicate with the payment system. In response, consumer identifying data associated with the wallet identifying data may be received by the second device from the payment system. In some embodiments, use of wallet identifying data may be applied to other communications, such as for messages that authorize payment.

Abstract: Techniques for managing data transactions are described and are implementable to enable data transactions (e.g., payment transactions) to be automatically generated in response to different conditions. In implementations, user interactions to generate payment transactions are tracked at different locations over different time durations. Accordingly, when payment transactions at a particular location reach a threshold, a data transaction record can be generated. The data transaction record can be used to automatically generate subsequent data transactions. Further, application presence across different devices can be used to generate data transactions.

Abstract: A method for facilitating contactless payment at a point-of-sale is disclosed. The method includes receiving, via a terminal, a selection from a user at the point-of-sale, the selection corresponding to a payment preference; determining a transaction type based on the selection, the transaction type including a first transaction via a digital payment network and a second transaction via a mobile wallet; providing, via the terminal, transaction information and a transaction token to a mobile device that is associated with the user based on the determined transaction type; receiving, via the mobile device, a transaction request that includes the transaction information, the transaction token, and user payment information; initiating an electronic transaction based on the transaction request; and transmitting a result of the electronic transaction to the terminal and to the mobile device.

Abstract: Apparatus and methods for a li-fi payment network are provided. A customer's device may communicate, directly or through intermediate devices and computer systems, over a li-fi network with a point-of-sale terminal. A bill may be transmitted to the customer's device over the li-fi network. The customer may select an option to pay the bill. The selection, along with information to authorize and process the payment, may be transmitted over the li-fi network to the POS terminal. The POS terminal may process the payment and generate a receipt. The receipt may be transmitted to the customer's device over the li-fi network.

Abstract: The present disclosure discloses an order payment method and apparatus, a storage medium, a device, and a system, and belongs to the field of payment technology. The method includes: initiating a payment call to a payment platform by a terminal; after the payment platform is connected with the payment call, establishing a real-time media data transmission channel and an IP Multimedia Subsystem (IMS) data channel with the payment platform; and performing order payment through the real-time media data transmission channel or the IMS data channel.

Abstract: A method for controlling a contactless transaction between a communicating object and a communication device, during which the communicating object receives, from the communication device, a request containing data relating to the transaction. The method includes the communicating object autonomously executing the following: extracting information relating to the transaction from the received request; comparing the extracted information with use context data in relation to the communicating object that have been determined by the object; and activating sending, to the communication device, a response to the request authorizing the transaction when there is a match between the information relating to the transaction and the use context data.

Abstract: A system and method for link-initiated secure voting and review which employs artificial-intelligence driven technology to ensure both secure voting and meaningful user reviews. Users submit their votes and reviews through a protected interface, leveraging advanced cryptography for data integrity. AI analyzes user reviews, classifies their quality based on metadata and content, and cross-references with user profiles for personalized insights. Following this analysis, the system generates tailored follow-up messages. Positive reviews can trigger appreciation messages, while constructive criticisms prompt acknowledgement and resolution updates. This approach enhances user engagement, refines products/services, and fosters a secure and interactive environment for voting and reviews, all while utilizing AI to deliver pertinent and relevant interactions.

Abstract: Disclosed are various embodiments of a wearable computing device which may be embedded in a fob or tag for use in completing financial transactions. In one example, a system comprises a computing device that is configured to retrieve a secure chip identifier (ID) and an alias code from a wearable device using a Bluetooth connection, and the secured chip ID being is retrieved from the secure chip. A selection of a transaction account for linking to the wearable device is identified. The alias code and the transaction account are transmitted to a transaction account issuer for linking the alias code to the transaction account a contactless payment feature on the wearable device based at least in part on the selection of the transaction account.

Abstract: A system for sensing a location of a near field communication (NFC) device includes an NFC reader that communicates with a remote NFC device through load modulation. The NFC reader transmits a wireless carrier signal from an antenna, and the remote NFC device modulates the carrier signal by changing its internal impedance in order to transmit data to the NFC reader. The NFC reader has at least one antenna for receiving the modulated signal. The antenna is coupled to circuitry that analyzes the signal received from the remote NFC device to determine a location of the remote NFC device relative to the NFC reader. The circuitry then selects a transmit antenna from a plurality of transmit antennas in the NFC reader, based on the determined location, to communicate with the remote NFC device.

Abstract: Automated testing and validation of integrated circuit cards for point of sale transactions is provided. A microcontroller can receive, via an automation script executed by a point of sale device, an instruction to select a slot in a card stack. The microcontroller can activate, responsive to the instruction, the slot to establish an electrical connection between an integrated circuit card in the slot and a proxy card in a terminal device. The microcontroller can receive, subsequent to initiation of a synthetic transaction, an indication that the synthetic transaction is complete. The microcontroller can deactivate, subsequent to receipt of the indication that the synthetic transaction is complete, the slot to terminate the electrical connection between the integrated circuit card in the slot and the proxy card to cause the terminal device to detect a card removal event without physical removal of the proxy card.

Abstract: Various embodiments are generally directed to enhancing a card activation experience for an authorized card user when activating a new card by at least displaying various types of information related to the new card in augmented reality (AR) and allowing the user to perform the activation itself or experience other aspects of the activation process in AR. Information pertaining the successful activation of the card may also be provided to the user in AR.

Abstract: An embodiment of the present invention is directed to storing a loan asset on a blockchain by using a secured note as a unique secured token (or non-fungible token (NFT)). An embodiment of the present invention may provide tokenization of a note to service a residential mortgage debt on a private blockchain. As recognized by an embodiment of the present invention, property may be uniquely represented by various characteristics including property address and/or property characteristics, such as bedrooms, bathrooms, garage, etc. Accordingly, an embodiment of the present invention may represent the underlying collateral (property) as a unique NFT.

Abstract: Access to digital assets when a private key is lost or unavailable is disclosed. A digital wallet may store a digital asset and a smart contract. When conditions of the smart contract are satisfied, the digital asset is automatically transferred to a new digital wallet that is associated with a new digital key. A user may acquire the new digital key and access the digital assets now stored in the new digital wallet.

Abstract: Systems and methods are provided that allows users to execute a secure transaction that is authenticated by their digital wallet on their user device. A device-bound digital wallet authentication process includes first registering data with a user device, a network tokenization server, a card issuer server, a digital coordination and notification (DCN) server, and an access control server. The data includes a network-device token and an alias of a primary account number that are stored on the user device, the network tokenization server, and the card issuer server. The data also includes a notification token, a signing public key and the alias that are stored on the DCN server and the access control server. In the device-bound digital wallet authentication, the alias and the network-device token are used to securely authenticate the user device and transaction information associated with the digital wallet that is bound to the user device.

Abstract: Liquidity and security mechanism are described as part of a unified cryptographic wallet. In an implementation, a request is received by a server to initiate a transaction involving a fund transfer using a blockchain network or a decentralized network. A determination is made, automatically and without user intervention, whether to perform the transaction, e.g., based on a threshold. The request responsive to determining to perform the transaction. The signed request is communicated to initiate the fund transfer of the transaction using the blockchain network or the decentralized network.

Abstract: An authentication and encryption computer system and method are disclosed. An encrypted channel is established with a first device. Transaction information is received over the encrypted channel, including an instrument identifier, wherein the instrument identifier is tokenized, a first amount for item acquisition by a first person, a second amount specified by the first person, and identification information of a second person. An identity of a user of a second device is authenticated to determine that the user is the second person and in response to such authentication, a user interface is provided, including the second amount and an identification of one or more entities is displayed. An instruction is received to distribute at least a portion of the second amount to specified entities. A secure communication is established via remote systems and a portion of the second amount is distributed among respective destinations associated with the specified entities.

Abstract: A system is configured to facilitate use of digital currencies for wagering. The system includes one or more digital wallets and a management subsystem. The management subsystem is configured to receive a request to deposit digital currency from a player wallet in one of the one or more digital wallets, generate a deposit address in response to the request and transmit the deposit address, query the one or the one or more digital wallets for incoming deposits, determine that one of the incoming deposits is associated with the deposit address, and inform, via a secure connection, one or more management servers for a wagering system that a deposit has been received from a user associated with the deposit address and a value corresponding to the digital currency deposited. Related methods are also provided.

Abstract: An embodiment of the present invention is directed to storing loan data and transaction history on a distributed ledger, such as a private blockchain. This enables access to an entire history of transactions and relevant data associated with a loan. An embodiment of the present invention supports various users, participants, etc. For example, investors may access data on the blockchain in real-time through an interface, such as an investor portal. With current systems, servicers and investors require back and forth communications which tend to lead to delay and inefficiencies. With an embodiment of the present invention, daily cash details are available in real-time which facilities cash reconciliation, audit processes, etc.

Abstract: Techniques are presented for causing, as a result of successfully verifying that a first set of constraints and a second set of constraints are satisfied, a second transaction to be recorded to a blockchain network. The method comprises receiving, at a node in a blockchain network, a first transaction that specifies at least: a first set of constraints on a second transaction, the first set of constraints including one or more constraints that cause the second transaction to contain a set of data from the blockchain network; and a second set of constraints on the second transaction, the second set of constraints including a constraint that the set of data includes a block that includes the first transaction, the block included in a blockchain associated with the blockchain network.

Abstract: A service server providing a tracking service for a transportation device based on a blockchain network system is provided. The service server includes a memory and a processor. The processor receives an information disclosure request for trading, distribution, or repair of the transportation device from a first terminal of an entity holding a token specifying the transportation device or a second terminal of an organization performing trading, distribution, or repair of the transportation device as a proxy; discloses information on the transportation device to a platform providing the service based on the information disclosure request; receives, from a third terminal of an entity purchasing the transportation device, transmission information on currency at a price corresponding to the token; and transmits the token to a node managed by the third terminal and transferring the currency to an account managed by the first terminal based on verification of the transmission information.

Abstract: Systems and methods are described herein for updating a representation of a virtual payment card in response to a virtual transaction between a first device (e.g., a user device) and a second device (e.g., a merchant point-of-sale device). The systems and methods may be used to authenticate user identity with an additional layer of security and/or combat phishing attempts intended to dupe users into disclosing confidential profile information. In response to a completed transaction, the second device delivers interactivity data (e.g., animation data, card image data, contextual data, notification sound data, etc.) to the first device, which actuates a distinct representation (e.g., an animation, a graphic image, a notification sound, etc.) of the card image of the virtual payment card used in the completed transaction.

Abstract: Described herein is a secure system and methods for enabling a user to remotely generate a token to be used in a transaction. In the disclosure, the user may provide a mobile device identifier to a resource provider to complete a transaction. A service provider, upon receiving the mobile device identifier, may generate a message to be transmitted to a mobile device associated with that mobile device identifier that includes details of the transaction to be complete. Upon receiving the message, the user may be asked to elect a token service installed on the mobile device with which the transaction should be completed. This token service may be used to authenticate the user and subsequently generate or provide the requested token. The service provider computer may then use the generated token to complete the transaction.

Abstract: Methods and systems for content distribution and management are presented. A transaction flow for conducting different stages of a transaction is determined in response to a request for the transaction from an application executable at a user device. The transaction flow includes a sequence of content pages to be displayed within a graphical user interface (GUI) of the application over the different stages of the transaction. The content associated with a tagged UI element of at least one content page is identified. The content is validated for the tagged UI element of the at least one content page, based on a software and hardware configuration of the user device. The validated content is provided via a network to the application at the user device to be displayable with the tagged UI element on the at least one content page of the transaction flow during a corresponding stage of the transaction.

Abstract: A system and a method for executing payments over a communication network are presented. The system performs payments over the communication network by using a payment clement. The payment clement includes a user identification string. The payment element is installed in a user digital wallet application at a user device to perform a payment.

Abstract: Aspects discussed herein may relate to techniques for authenticating a user using transaction-based authentication questions. The transaction-based authentication questions may be provided to the user. The user may provide audible responses to the transaction-based authentication questions that may be captured by a smart device, such as an always on listening device. Authentication of the user may be based on voice analysis of the audible responses to the transaction-based authentication questions and/or based on the answers to the transaction-based authentication questions.

Abstract: Systems, computer program products, and methods are described herein orchestrating resource instruments in an electronic network utilizing unique hash tokens. The invention relates to a system and method for managing and processing transactions using non-fungible tokens (NFTs) representing NFT checks. The system receives resource action data from an end-point device of a user and determines metadata from the resource action data required for generating the NFT check. The system performs a voice verification of the user via data received from the end-point device to authenticate the user's identity. Utilizing a distributed ledger architecture, the system generates the NFT based on the metadata and transmits unique hash code data representing the NFT to an entity resource account management and settlement repository.

Abstract: A request is received from a first user of a social interaction platform. The request is a request to acquire a status. In response to the receiving of the request, a database is accessed. The database contains first electronic data pertaining to previous interactions between the first user and other entities of the social interaction platform. The first electronic data is analyzed via one or more Natural Language Processing (NLP) techniques. A first result is obtained based on the analyzing. A machine learning process is executed based at least in part on the first result. Based on the executing of the machine learning process, a determination is made whether to grant or deny the request received from the first user.

Abstract: Disclosed embodiments include aspects that relate to authentication of contactless interactions. Identifying information can be provided from multiple sources. A chip-embedded card can be registered to an individual and include identifying information associated with the information. During a contactless transaction, identifying information can be acquired. An individual's identity can be validated based on identifying information. A chip-embedded card can be read by a card reader at a particular location providing physical presence information. In one instance, identifying information from the chip-embedded card can be compared to other identifying information to determine whether there is a match or mismatch. A confidence score can be computed based on the amount and type of information provided. An individual's identity can be validated when the confidence score satisfies a threshold.

Abstract: Techniques for managing data transactions are described and are implementable to enable data transactions (e.g., payment transactions) to be automatically generated in response to different conditions. In implementations, user interactions to generate payment transactions are tracked at different locations over different time durations. Accordingly, when payment transactions at a particular location reach a threshold, a data transaction record can be generated. The data transaction record can be used to automatically generate subsequent data transactions. Further, application presence across different devices can be used to generate data transactions.

Abstract: A method is disclosed for detecting anomalous activity including receiving alert statistics associated with at least one anomaly detection strategy configured to identify anomalous activity in transaction records, determining for each anomaly detection strategy at least one effectiveness metric based on the alert statistics, determining a weighted score for each anomaly detection strategy based on the at least one effectiveness metric, receiving anomalous activity data indicative of one or more activities identified as potentially anomalous by each of the anomaly detection strategies, and determining a portion of the anomalous activity data identified by each of the anomaly detection strategies to be transmitted to an auditor for review based on the weighted score. The portion of potentially anomalous activities to be transmitted is substantially proportional to the weighted score for each of the anomaly detection strategies.

Abstract: Protecting digital assets is disclosed. A primary digital asset associated with a shadow asset are stored, in a first and a second digital wallet. The primary digital asset and the shadow asset are each associated with respective smart contracts. When the primary smart contract executes, the second smart contract also executes. These smart contracts convert the shadow asset to be the primary digital asset and invalidate the original digital asset. This allows smart contracts to effectively protect a digital asset using digital wallets associated with different private keys and without having to actually transfer the digital asset. The activation of the shadow asset and invalidation of the original primary digital asset can be effected without a private key. The smart contracts execute when the conditions are satisfied.

Abstract: A fraud detection system to proactively identify fraudulent transactions. The system receives an analyst-generated report for a transaction and trains a model using features from the feature types identified in analyst-generated reports. The system generates a fraud likelihood score for each requested transaction, compares it to the analyst-generate assessment, and retrains the model based on the difference.

Abstract: A computing system includes a network interface configured to communicate with a user device and a third party system, a database configured to store information regarding the third party system, and a processing circuit that causes a processor to: receive, via the network interface, third party information including an identifier of a third party account from the third party system; store the third party information in the database; generate and provide a GUI comprising a selectable graphical representation of a third party associated with the third party system that does not include the identifier associated with the third party account to the user device; receive, via the network interface, a user input to the GUI indicating a selection to transfer resources to the third party; and cause a transfer of resources from an account associated with the user device to the third party account associated with the third party system.

Abstract: Systems and methods for triggering a virtual certification number (VCN) generation for use at a source include receiving a VCN generation request from an external entity, the VCN generation request comprising an external request code, external risk signals, and one or more source data for the source, verifying a registration authentication of an account associated with the external request code by comparing the external request code to a database entry, identifying a certification mechanism reference identifier associated with the external request code based on verifying the registration authentication, generating a risk authentication based on a risk analysis conducted using the external risk signals and the external request code, identifying a source identifier based on the one or more source data, and generating the VCN based on the certification mechanism reference identifier and the source identifier.

Abstract: Transaction destinations are identified by identifying requests for a login page of a web server for a financial institution and determining a referring website for each of the requests; classifying the referring websites into classes, each of the classes having a risk rating; identifying logins to access the web server and determining a user associated with each login; associating each of the logins with one of the requests and the referring website for that request; for each of the users, identifying transactions occurring within a time period from when the login was initiated; for each of the transactions occurring within the time period, associating a transaction destination of that transaction with the referring website for that login; and assigning a risk rating to each of the transaction destinations based at least in part on a risk rating of the class of the associated referring website.

Abstract: Using risk metrics to facilitate transactions is described. A payment service computing platform may, in association with a request to initiate an interaction with a merchant, determine a user risk metric associated with a user of a payment service. The platform may determine, based on transaction data associated with merchants, merchant risk metrics associated with the merchants, filter the merchants based on the user risk metric and the merchant risk metrics to generate a list of merchants, and cause a user interface of a payment application associated with the payment service and executing on a device of the user to present at least a portion of the list of merchants. The platform may then receive indications of a selected merchant and an item(s) to be purchased from the selected merchant, use a single-use payment instrument to complete a transaction for the item(s), and generate a loan associated with the transaction.

Abstract: An artwork management method executed by one or more computers is provided. The artwork management method includes detecting, by a first computer included in the one or more computers, artwork included in a website, determining, by the first computer, whether or not a purchase transaction indicating purchase of the artwork detected is recorded in a blockchain network, and transmitting, by the first computer, a report indicating discovery of unauthorized use of the artwork, in a case where the first computer determines that the purchase transaction is not recorded. According to one aspect, the artwork management method suppresses illegal use of artwork while maintaining accessibility of the artwork.

Abstract: A digital wallet is provided with zero-trust security. A digital wallet implemented in a blockchain may store a digital asset. The digital asset is associated with a smart contract. When a transaction is received, the smart contract is triggered to determine whether the transaction is authorized. If the transaction is authorized, the transaction is performed. If the transaction is unauthorized, a protection action, which may include transferring the digital asset to a different digital wallet, is performed.

Abstract: Disclosed herein are system, method, and device embodiments for ATM access during a power outage. In an example embodiment, an automated teller machine (ATM) may receive power from a mobile device including a banking application, send the power to a rechargeable battery of the ATM, and enter a reduced power mode, wherein the ATM is powered by the rechargeable battery. Further, the ATM may receive a transaction request including an authentication credential from the banking application, determine an account associated with the authentication credential, determine an authorization result indicating whether to perform the transaction request, and generate recordation information corresponding to the authorization result.

Abstract: In one embodiment, a predictive contextual transaction scoring system receives transaction review data associated with person-to-person transactions from a marketplace, the transaction review data including feedback information relating to the person-to-person transaction. The system identifies contextual characteristics of the person-to-person transactions by analyzing the feedback information related to the person-to-person transactions. The system pairs a first party requesting a service to a second party providing the requested service by matching a contextual characteristic of the first party to a contextual characteristic of the second party. The system also predicts a transaction score for a new person-to-person transaction involving the first party and the second party, and provides the predicted transaction score to the marketplace to facilitate pairing of the first party requesting the service.