Trust platform

A system comprising:

• one or more processors;
• and
• a memory containing instructions which, when executed by the one or more processors, cause the one or more processors to:
• receive transaction review values associated with a user, the transaction review values being received from a plurality of marketplace providers and over one or more networks, wherein each transaction review value is associated with a person-to-person transaction involving the user;
• based on a determination that two or more of the transaction review values have a different format, convert the two or more of the transaction review values to a common or standardized format, wherein the converting of the two or more of the transaction review values standardizes the transaction review values from the plurality of marketplace providers;
• weigh each transaction review value to generate a weighted transaction review value based on at least one of an amount of the person-to-person transaction, a location of the person-to-person transaction, date of the person-to-person transaction, and role of the user in the person-to-person person transaction, wherein weighing each transaction review value to generate the weighted transaction review value comprises:
• applying a first weight to a transaction review value associated with a first person-to-person transaction based on a first location or a first date of the first person-to-person transaction;
• and
• applying a second weight, different from the first weight, to a transaction review value associated with a second person-to-person transaction based on a second location or a second date of the second person-to-person transaction, wherein the first location of the first person-to-person transaction is closer to a home of the user than the second location of the second person-to-person transaction, and wherein the first date of the first person-to-person transaction is more recent than the second date of the second person-to-person transaction;
• generate a baseline individual trust score of the user based on an aggregation of the weighted transaction review value;
• determine that a statistical difference between a new transaction review value and the baseline individual trust score of the user is above a threshold;
• determine whether to adjust the new transaction review value based on an estimated cause for the statistical difference between the new transaction review value and the baseline individual trust score of the user;
• based on the estimated cause for the statistical difference between the new transaction review value and the baseline individual trust score of the user, adjust the new transaction review value to yield an adjusted transaction review value;
• receive a request for the baseline individual trust score of the user in connection with a new person-to-person transaction between the user and at least one other user;
• provide, over the one or more networks to a device associated with the at least one other user, remote access to the baseline individual trust score to facilitate completion of the new person-to-person transaction;
• and
• provide the adjusted transaction review value to a marketplace associated with the new person-to-person transaction.

A non-transitory computer-readable medium having instructions encoded thereon, the instructions, when executed by one or more processors, cause the one or more processors to:

• receive transaction review values associated with a user, the transaction review values being received from a plurality of marketplace providers and over one or more networks, wherein each transaction review value is associated with a person-to-person transaction involving the user;
• based on a determination that two or more of the transaction review values have a different format, convert the two or more of the transaction review values to a common or standardized format, wherein the converting of the two or more of the transaction review values standardizes the transaction review values from the plurality of marketplace providers;
• weigh each transaction review value to generate a weighted transaction review value based on at least one of an amount of the person-to-person transaction, a location of the person-to-person transaction, date of the person-to-person transaction, and role of the user in the person-to-person transaction, wherein weighing each transaction review value to generate the weighted transaction review value comprises:
• applying a first weight to a transaction review value associated with a first person-to-person transaction based on a first location or a first date of the first person-to-person transaction;
• and
• applying a second weight, different from the first weight, to a transaction review value associated with a second person-to-person transaction based on a second location or a second date of the second person-to-person transaction, wherein the first location of the first person-to-person transaction is closer to a home of the user than the second location of the second person-to-person transaction, and wherein the first date of the first person-to-person transaction is more recent than the second date of the second person-to-person transaction;
• generate a baseline individual trust score of the user based on an aggregation of the weighted transaction review value;
• determine that a statistical difference between a new transaction review value and the baseline individual trust score of the user is above a threshold;
• determine whether to adjust the new transaction review value based on an estimated cause for the statistical difference between the new transaction review value and the baseline individual trust score of the user;
• based on the estimated cause for the statistical difference between the new transaction review value and the baseline individual trust score of the user, adjust the new transaction review value to yield an adjusted transaction review value;
• receive a request for the baseline individual trust score of the user in connection with a new person-to-person transaction between the user and at least one other user;
• provide, over the one or more networks to a device associated with the at least one other user, remote access to the baseline individual trust score to facilitate completion of the new person-to-person transaction;
• and
• provide the adjusted transaction review value to a marketplace associated with the new person-to-person transaction.