Methods and systems for providing risk ratings for use in person-to-person transactions
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United States of America Patent
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Dec 27, 2011
Grant Date -
May 14, 2009
app pub date -
Oct 31, 2008
filing date -
Oct 31, 2007
priority date (Note) -
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Abstract
Embodiments of the present invention provide a system for determining a risk rating associated with a subject to support a person-to-person transaction. The system includes a profile device in communication with a database that includes personal information and history information associated with the subject. The profile device includes a profile engine stored on a computer-readable medium. The profile engine can access the personal information to authenticate the subject and access the history information to generate a risk rating for the subject. The risk rating is generated by scoring the history information using pre-set criteria. The profile engine can output the risk rating to a reviewer identified by the subject.
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