An online marketplace system generates an online marketplace for seller-financed transactions. The system includes a plurality of listings of transaction offerings that are available. The transaction offerings are listed by a plurality of users and are from a plurality of different categories of products and services. The transaction offerings include a plurality of transaction terms, including payment and seller-financing terms. A transaction engine facilitates the negotiation of transaction terms between users and the formation of agreement between users. Transaction coins are awarded during the successful performance of a transaction according to the agreed upon transaction terms. A reputation engine generates trust profiles and trust scores for users. The trust profiles and trust scores are used by parties to evaluate the trustworthiness of the other party. A user interface engine generates a user interface that includes listings from users and trust scores of those users.

A method for distributed application distribution may include: (1) receiving, at a first decentralized marketplace instance in a distributed ledger network and from a first node of the plurality of nodes, the first node associated with a distributed application creator, a distributed application; (2) making available, by the first decentralized marketplace instance, the distributed application to decentralized marketplace instances, wherein the first node is configured to provide the distributed application to a second node, the second node associated with a distributed application collaborator; (3) receiving, at a second decentralized marketplace instance and from the second node, a modified version of the distributed application; and (4) making available, by the second decentralized marketplace instance, the modified version of the distributed application to the decentralized marketplace instances, wherein the second node is configured to provide the distributed application to a third node, the third node associated with a distributed application consumer.

A self-service lender portal provides lenders with a suite of tools for interacting with a multi-lender architecture configured to provide loan applicants with automated pre-qualification and eligibility evaluation for multiple candidate lenders. The lender portal provides lenders with an interface for uploading rule sets defining lending and eligibility criteria, downloading operational data generated from processing loan applicant information, generating and managing security keys for encryption and decryption of sensitive data, and managing access policies for providing single sign-on by interfacing with the lender's own identity management systems.

Auditing data containing sensitive data are stored in a data structure comprising data objects. Each data object comprises one or more pairs of a name and a value. Pairs that are flagged or identified as containing sensitive data are partially encrypted; the value is encrypted using an asymmetric key and the name corresponding to the encrypted value remains unencrypted. Some pairs that are not flagged or identified as containing sensitive data are left unencrypted. Unencrypted data may be stored in the partially encrypted auditing data as plain text. The auditing data may be analyzed to generate business metrics and identify application errors. The auditing data may also be queried, and data objects containing unencrypted pairs and/or partially encrypted pairs may be returned based on matching unencrypted names and/or values to the data query.

The information processing device 1X mainly includes an acquisition means 16Xa and a transition sequence determination means 16Xb. The acquisition means 16Xa acquires a first combination between sellers and buyers conducting transactions and a second combination between the sellers and the buyers differing from the first combination. The transition sequence determination means 16Xb determines a transition sequence of combinations between the sellers and the buyers, the transition sequence being generated in a process of making a transition, per basic operation for changing the combinations between the sellers and the buyers, from the first combination to the second combination, each combination of the transition sequence making a profit of a mediator equal to or larger than a threshold value, the mediator mediating the transactions.

A multi-lender architecture is configured to provide a loan applicant with automated pre-qualification and automobile loan eligibility evaluation for multiple candidate lenders. Lender output data may include sensitive data. The lender output data is stored in a data object of a first format and one or more fields of the data object are encrypted at the field level. The encrypted data object may be transmitted through multiple application layers or terminals. The encrypted data object may be reformatted at one or more application layers or terminals without decryption. A reformatted encrypted data object containing the lender output data may be decrypted at the last layer before forwarding the lender output data to the loan applicant.

A system for managing a fashion item includes a server and user terminals that are accessible to the server and on which a predetermined application is installed, in which the user terminals may be owned by users including a first user, a second user, and a third user, each of the users may issue data by entering an image of a fashion item that the user owns and attribute information including at least one of a purchase year, a brand, a purchase price, a type, or a purchase receipt image of the fashion item into the application.

In implementations of systems and procedures for item condition verification, a computing device implements an item condition verification system to compare a marketed condition of an item from an item listing with a delivered condition of the item using one or more machine learning models. Based on the comparison, the item condition verification system outputs a result indicating whether the item is significantly not as described by the item listing.

The present invention relates to a renewable energy trading system and method, and more specifically, a system and method for efficiently trading renewable energy.

Encryption is performed at the field level within a data object, in response to an encryption indicator. Encrypted fields are nulled or zeroed out and the encrypted values are stored in encryption metadata with a path identifying the locations of the encrypted fields. An encrypted data key is appended with a decryption identifier and stored in the encryption metadata. The encrypted data object may be reformatted while encrypted. The encrypted data key is extracted from the encryption metadata and the decryption identifier is used to identify a master key used to decrypt the encrypted data key. The data key is used to decrypt the encrypted values and the decrypted values are stored in the fields identified by the paths.