METHODS AND SYSTEMS FOR PROVIDING RISK RATINGS FOR USE IN PERSON-TO-PERSON TRANSACTIONS

摘要

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.