Patent Publication Number: US-2017352079-A1

Title: Electronic service management systems and methods

Description:
RELATED APPLICATIONS 
     This application claims the benefit of priority under 35 U.S.C. §119(e) to U.S. Provisional Application No. 62/345,340, filed Jun. 3, 2016, and entitled “TRANSACTION MANAGEMENT SYSTEMS AND METHODS,” which is hereby incorporated by reference in its entirety. 
    
    
     COPYRIGHT AUTHORIZATION 
     Portions of the disclosure of this patent document may contain material which is subject to copyright protection. The copyright owner has no objection to the facsimile reproduction by anyone of the patent document or the patent disclosure, as it appears in the U.S. Patent and Trademark Office patent file or records, but otherwise reserves all copyright rights whatsoever. 
     SUMMARY 
     The present disclosure relates generally to the management of electronic services. More specifically, but not exclusively, the present disclosure relates to managing electronic services and transactions associated with electronic services using a trusted service. 
     In an electronic commerce ecosystem, individuals may wish to offer certain electronic services to a wide variety of users under certain conditions. Moreover, users may wish to obtain certain electronic services under specified conditions. It may be difficult, however, for entities offering their electronic services and/or users interested in obtaining electronic services to connect and engage in an electronic transaction meeting the conditions of both parties. Entities and/or users may further be interested in protecting certain private and/or otherwise personal information when engaging in electronic transactions. 
     Consistent with embodiments disclosed herein, a trusted service may be used in connection with managing electronic services, including transactions involving electronic services, between one or more parties. Service providers may transmit an indication of associated electronic services and associated conditions to the trusted service. In some embodiments, the indication of electronic services may further include information associated with the service providers. 
     Users interested in the electronic services may transmit information to the trusted service relating to requested services, conditions associated with such requests, and/or information relating to the requesting user. The trusted service may manage a secure transaction between the service providers and the users involving the electronic services. In certain embodiments, this may include analyzing conditions associated with the electronic services and associated requests to determine a degree of agreement and/or fit between the electronic services and the requested services. In further embodiments, the trusted service may package one or more electronic services associated with multiple entities in connection with meeting a request and/or associated conditions by an interested user. Users requesting electronic services and/or entities associated with electronic services may be presented with one or more proposed electronic interactions, and may then engage in such electronic interactions either independently from and/or facilitated by the trusted service. 
    
    
     
       BRIEF DESCRIPTION OF THE DRAWINGS 
       The inventive body of work will be readily understood by referring to the following detailed description in conjunction with the accompanying drawings, in which: 
         FIG. 1  illustrates an example of an electronic service management architecture consistent with embodiments of the present disclosure. 
         FIG. 2  illustrates an example of management of an electronic service consistent with embodiments of the present disclosure 
         FIG. 3  illustrates an example of a method for managing electronic services consistent with embodiments of the present disclosure 
         FIG. 4  illustrates an exemplary system that may be used to implement embodiments of the systems and methods of the present disclosure. 
     
    
    
     DETAILED DESCRIPTION 
     A detailed description of the systems and methods consistent with embodiments of the present disclosure is provided below. While several embodiments are described, it should be understood that the disclosure is not limited to any one embodiment, but instead encompasses numerous alternatives, modifications, and equivalents. In addition, while numerous specific details are set forth in the following description in order to provide a thorough understanding of the embodiments disclosed herein, some embodiments can be practiced without some or all of these details. Moreover, for the purpose of clarity, certain technical material that is known in the related art has not been described in detail in order to avoid unnecessarily obscuring the disclosure. 
     The embodiments of the disclosure may be understood by reference to the drawings, wherein like parts may be designated by like numerals or descriptions. The components of the disclosed embodiments, as generally described and illustrated in the figures herein, could be arranged and designed in a wide variety of different configurations. Thus, the following detailed description of the embodiments of the systems and methods of the disclosure is not intended to limit the scope of the disclosure but is merely representative of possible embodiments of the disclosure. In addition, the steps of any method disclosed herein do not necessarily need to be executed in any specific order, or even sequentially, nor need the steps be executed only once, unless otherwise specified. 
     Embodiments disclosed herein provide for a trusted service that may manage interactions relating to electronic services between one or more parties. Electronic service providers may securely transmit indications of their associated electronic services, conditions associated with the electronic services, and/or secure information relating to the electronic services and/or associated entities to the trusted service. Similarly, users interested in the electronic services may transmit information to the trusted service relating to requested services, conditions associated with such requests, and/or information relating to the requesting users. The trusted service may act as a trusted intermediary, managing a secure transaction involving the electronic services by securely analyzing and/or enforcing conditions associated with the electronic services and the requests. In connection with the secure transaction, the privacy of certain secure and/or private information provided to the trusted service by the users and/or service providers may be preserved. 
       FIG. 1  illustrates an example of an electronic service management architecture consistent with embodiments of the present disclosure. As illustrated, a trusted service  104  be communicatively coupled with one or more user systems  100 ,  102  and one or more electronic service provider systems  106 - 109 . In some embodiments, the trusted service  104  may act as a trusted intermediary between the user systems  100 ,  102  and/or the electronic service provider systems  106 - 109 . For example, as detailed below, the trusted service  104  may manage various interactions between the systems  100 ,  102 ,  106 - 109 , enforce one or more policies and/or conditions  112   a,    112   b,    118   a - 118   c  specified by the systems  100 ,  102 ,  106 - 109 , and/or preserve the privacy of secret information  114   a,    114   b,    120   a - 120   c  communicated to the trusted service  104 . 
     The user systems  100 ,  102 , trusted service  104 , service provider systems  106 - 109 , and/or one or more other systems or services (not shown) may comprise any suitable computing system or combination of systems configured to implement embodiments of the systems and methods disclosed herein. In certain embodiments, user systems, user systems  100 ,  102 , trusted service  104 , service provider systems  106 - 109 , and/or one or more other systems or services may comprise at least one processor system configured to execute instructions stored on an associated non-transitory computer-readable storage medium. As discussed in more detail below, the user systems  100 ,  102 , trusted service  104 , service provider systems  106 - 109 , and/or one or more other systems or services may further comprise a secure processing unit (“SPU”) configured to perform sensitive operations such as trusted credential and/or key management, secure policy and/or condition management, and/or other aspects of the systems and methods disclosed herein. The user systems  100 ,  102 , trusted service  104 , service provider systems  106 - 109 , and/or one or more other systems or services may further comprise software and/or hardware configured to enable electronic communication of information between the systems  100 - 104  and/or services  106 - 109  via one or more associated network connections. 
     The user systems  100 ,  102 , trusted service  104 , service provider systems  106 - 109 , and/or one or more other systems or services may comprise one or more computing devices executing one or more applications configured to implement embodiments of the systems and methods disclosed herein. In certain embodiments, the user systems  100 ,  102 , trusted service  104 , and/or service provider systems  106 - 109  may comprise at least one of a smartphone, a smartwatch, a laptop computer system, a desktop computer system, a tablet computer, a server computer system, and/or any other computing system and/or device that may be used in connection with the disclosed systems and methods. In certain embodiments, the user systems  100 ,  102 , trusted service  104 , and/or service provider systems  106 - 109  may comprise software and/or hardware configured to, among other things, issue and/or receive service requests  110   a,    110   b  including requested conditions  112   a,    112   b  and/or associated user information  114   a,    114   b,  publish and/or receive information relating to electronic services  116   a - 116   c  including associated conditions  118   a - 118   c  and/or service provider information  120   a - 120   c,  and/or generate one or more electronic service responses configured to provision a user system  100 ,  102  associated with a granted request  110   a,    110   b  with the requested electronic service. In some embodiments, this may facilitate a transaction between the user systems  100 ,  102  and/or the electronic service provider systems  106 - 109 . 
     The user systems  100 ,  102 , trusted service  104 , service provider systems  106 - 109  may communicate using a network comprising any suitable number of networks and/or network connections. The network connections may comprise a variety of network communication devices and/or channels and may use any suitable communication protocols and/or standards facilitating communication between the connected devices and systems. For example, in some embodiments the network may comprise the Internet, a local area network, a virtual private network, and/or any other communication network utilizing one or more electronic communication technologies and/or standards (e.g., Ethernet and/or the like). In some embodiments, the network connections may comprise a wireless carrier system such as a personal communications system (“PCS”), and/or any other suitable communication system incorporating any suitable communication standards and/or protocols. In further embodiments, the network connections may comprise an analog mobile communications network and/or a digital mobile communications network utilizing, for example, code division multiple access (“CDMA”), Global System for Mobile Communications or Groupe Special Mobile (“GSM”), frequency division multiple access (“FDMA”), and/or time divisional multiple access (“TDMA”) standards. In certain embodiments, the network connections may incorporate one or more satellite communication links. In yet further embodiments, the network connections may use IEEE&#39;s 802.11 standards, Bluetooth®, ultra-wide band (“UWB”), Zigbee , and or any other suitable communication protocol(s). 
     Consistent with embodiments disclosed herein, the trusted service  104  may be used in connection with managing interactions between transactions between the user systems  102 ,  104  and one or more electronic service provider systems  106 - 109 , acting as a trusted intermediary between the systems  100 ,  102 ,  106 - 109 . In some embodiments, the electronic service provider systems  106 - 109  may transmit an indication of associated electronic services  116   a - 116   c  to the trusted service  104 . In certain embodiments, this may comprise a description of the electronic services  116   a - 116   c  and/or information configured to effectuate provisioning of the electronic services  116   a - 116   c.    
     The electronic service provider systems  106 - 109  may further transmit to the trusted service  104  an indication of one or more conditions  118   a - 118   c  associated with the electronic services  116   a - 116   c.  For example, the electronic service provider systems  106 - 109  may transmit to the trusted service  104  conditions  118   a - 118   c  associated with their electronic services  116   a - 116   c  that may include, without limitation, a price, a rate, a term, conditions relating to the provisioning of the electronic services  116   a - 116   c  such as required user and/or user system attributes (e.g., user and/or system types, user and/or system roles, geographic attributes, demographic attributes, software and/or hardware attributes, service provider and/or peer rating attributes, etc.), actions to be taken in connection with the provisioning of the electronic services  116   a - 116   c,  and/or the like. 
     In further embodiments, the electronic service conditions  118   a - 118   c  may articulate requirements relating to the privacy and/or secure handling of service provider information  120   a - 120   c  communicated to the trusted service  104 . In some embodiments, the various electronic service conditions  118   a - 118   c  may be securely associated with the indications of associated electronic services  116   a - 116   a  and/or the service provider information  120   a - 120   c  (e.g., cryptographically linked and/or the like). It will be appreciated that a variety of types of electronic service provider conditions  118   a - 118   c  may be used in connection with managing electronic services  116   a - 116   c,  associated service provider information  120   a - 120   c,  and/or various interactions in connection with the same, and that any type of conditions and/or polices articulating any restrictions, conditions, requirements, and/or actions to be enforced in connection with the provisioning of electronic services  116   a  - 116   c  and/or use of the service provider information  120   a - 120   c  may be used in connection with the disclosed embodiments. 
     The user systems  100 ,  102  may similarly transmit indications of requested electronic services  110   a,    110   b  to the trusted service  104 . In some embodiments, the electronic service requests  110   a,    110   b  may comprise a description of one or more electronic services in which the users of the associated user systems  100 ,  102  are interested. The user systems  100 ,  102  may further transmit conditions  112   a,    112   b  associated with their electronic service requests  110   a,    110   b  to the trusted service  104 . The conditions  112   a,    112   b  may include, without limitation, a requested price, a rate, a term, conditions relating to satisfying the electronic service requests  110   a,    110   b  and/or potential electronic services  116   a - 116   c,  such as required service provider and/or service provider system  106 - 109  attributes (e.g., service provider and/or service provider system types, service provider and/or system roles, geographic attributes, demographic attributes, software and/or hardware attributes, user and/or peer rating attributes, etc.), actions to be taken in connection with the satisfying the electronic service requests  110   a,    110   b,  and/or the like. 
     The user systems  100 ,  102  may further transmit to the trusted service  104  certain user information  114   a,    114   b  associated with the users and/or their systems  100 ,  102  that may be used by the trusted service to evaluate certain conditions  118   a - 118   c  specified by service providers  106 - 109 . In further embodiments, the conditions  112   a,    112   b  associated with their electronic service requests  110   a,    110   b  may articulate requirements relating to the privacy and/or secure handling of user information  114   a,    114   b  communicated to the trusted service  104 . 
     In some embodiments, the user conditions  112   a,    112   b  may be securely associated with the electronic service requests  110   a,    110   b  and/or the user information  114   a - 114   b  (e.g., cryptographically linked and/or the like). It will be appreciated that a variety of types of conditions  112   a,    112   b  associated with electronic service requests  110   a,    110   b  may be used in connection with managing the requests  110   a,    110   b,  associated user information  114   a,    114   b,  and/or various interactions in connection with the same, and that any type of conditions and/or polices articulating any restrictions, conditions, requirements, and/or actions to be enforced in connection with the electronic service requests  110   a,    110   b  and/or use of the user information  114   a - 114   c  may be used in connection with the disclosed embodiments. 
     In certain embodiments, the trusted service  104  may manage a transaction between the user systems  100 ,  102  and the electronic service provider systems  106 - 109  relating to the electronic services  116   a - 116   c.  In some embodiments, the trusted service  104  may examine received electronic services  116   a - 116   c  and associated conditions  118   a - 118   c  to determine if the electronic services  116   a - 116   c  and associated conditions  118   a - 118   c  satisfy any of the electronic service requests  100   a,    110   b  and associated conditions  112   a,    112   b.  That is, the trusted service  104  may identify possible transactions that satisfy conditions  112   a,    112   b,    118   a - 118   c  of both an electronic service provider system  106 - 109  and a user system  100 ,  102 . 
     In some embodiments, the trusted service  104  may identify possible transactions that do not satisfy all conditions  112   a,    112   b,    118   a - 118   c  specified by electronic service provider systems  106 - 109  and a user system  100 ,  102 , but may satisfy a certain threshold number of conditions  112   a,    112   b,    118   a - 118   c  and/or satisfy the  112   a,    112   b,    118   a - 118   c  conditions within a certain degree. In some embodiments, notification of identified transactions may be provided to the user systems  100 ,  102  and/or the electronic service provider systems  106 - 109  by the trusted service  104 . The user systems  100 ,  102  and/or the electronic service provider systems  106 - 109  may then engage in associated transactions either independently or as facilitated by the trusted service  104 . 
     As discussed above, the trusted service  104  may act as a trusted intermediary, managing the provisioning of the electronic services  116   a - 116   c  by securely analyzing and/or enforcing conditions  112   a,    112   b,    118   a - 118   c  associated with the electronic services  116   a - 116   c  and the requests  110   a,    110   b.  In some embodiments, the user systems  100 ,  102  may be unaware of the electronic services  116   a - 116   c  and/or associated conditions  118   a - 118   c  communicated to the trusted service  104  by the service providers  106 - 109 . Similarly, the service provider systems  106 - 109  may be unaware of service requests  110   a,    110   b  and/or associated conditions  112   a,    112   b  issued to the trusted service  104  by the user systems  100 ,  102 . In this manner, privacy of the various parties may be preserved, service providers  106 - 109  may be unable to unfairly discriminate against particular user systems  100 ,  102  if the user systems  100 ,  102  meet conditions  118   a - 118   b  specified by the service providers  106 - 109 , and user systems  100 ,  102  may be unable to unfairly discriminate against particular service providers  106 - 109  if the service providers  106 - 109  meet conditions  112   a,    112   b  specified by the user systems  100 ,  102 . 
     In some embodiments, a single electronic service  116   a - 116   c  may not satisfy available electronic service requests  110   a,    110   b  issued to the trusted service  104 , but multiple electronic service  116   a - 116   c,  if combined, may satisfy such requests  110   a,    110   b.  Accordingly, if an electronic service request  110   a,    110   b  may be satisfied by combining multiple electronic services  116   a - 116   c  provided by multiple electronic service provider systems  106 - 109 , and associated conditions  112   a,    112   b,    118   a - 118   c  permit such a combination, the trusted service  104  may combine the multiple electronic services  116   a - 116   c  and provide an indication of such an aggregated electronic service to the relevant user systems  100 ,  102  and/or service providers  106 - 109 . 
     Similarly, in certain embodiments, a single electronic service request  110   a,    110   b  may not satisfy conditions  118   a - 118   c  associated with available electronic services  116   a - 116   c,  but multiple electronic service requests  110   a,    110   b,  if combined, may satisfy such conditions  118   a - 118   c  associated with at least one available electronic service  116   a - 116   c.  Accordingly, if conditions  118   a - 118   c  associated with available electronic services  116   a - 116   c  may be satisfied by combining multiple electronic service requests  110   a,    110   b  provided by multiple user systems  100 ,  102  and associated conditions  112   a,    112   b,    118   a - 118   c  permit such a combination, the trusted service  104  may combine the multiple electronic service requests  110   a,    110   b  and provide an indication of such an aggregated electronic service request to the relevant user systems  100 ,  102  and/or service providers  106 - 109 . 
     Various operations of the trusted service  104  may be performed by one or more engines  122  and/or modules  124 ,  126  executing on the trusted services  104 . For example, an electronic service management engine  122  may receive indications of electronic services  116   a - 116   c  from one or more services providers  106 - 109  and electronic service requests  110   a,    110   b  from one or more user systems  100 ,  102 , match electronic services  116   a - 116   c  offered by the service providers  106 - 109  with one or more electronic service requests  110   a,    110   b,  aggregate electronic services  116   a - 116   c  and/or requests  110   a,    110   b,  and/or perform other aspects of the electronic service management methods disclosed herein. 
     In some embodiments, the electronic service management engine  112  may interact with a condition enforcement module  124  and/or a privacy management module  126  executing on the trusted service  104 . The condition enforcement module  124  may analyze conditions associated with service requests  112   a,    112   b  and/or electronic services  118   a - 118   c  and enforce the conditions in a trusted manner. Various privacy management operations, including establishing secure communication channels, encrypting various secret information, operations to protect the privacy of shared user information  114   a,    114   b  and/or service provider information  120   a - 120   c,  to anonymize information prior to communication from the trusted service, and/or to otherwise protect the privacy of the users of user systems  100 ,  102  and/or the service providers  106 - 109  may be performed by the privacy management module  126 . 
     Embodiments of the disclosed systems and methods may be utilized in a variety of interactions with electronic services and/or in connection with a variety of electronic services and/or products. For example, in certain embodiments, the trusted service  104  may operate as a trusted intermediary between parties in an electronic financial transaction such as an electronic cryptographic currency loan transaction. 
     In some implementations, the trusted service  104  may operate as an intermediary in transactions between prospective lenders and prospective borrowers (e.g., using a virtual currency such as bitcoin and/or the like). For example, a user of a user system  100  may wish to borrow electronic cryptographic currency. The user may generate a service request  110   a  for a virtual currency loan. As part of the request  110   a,  the user may indicate a type of virtual currency and how much they wish to borrow (e.g., bitcoin or the like), conditions  112   a  relating to their requested loan (e.g., acceptable terms, interest rates and/or interest rate ranges, maximum payment, etc.), and/or user information  114   a  that may be used to assess a relative risk associated with the user (e.g., financial information, credit score information, etc.). The request  110   a,  associated conditions  112   a,  and associated user information  114   a,  may be transmitted by the user system  100  to the trusted service  104 . 
     Based on the received request  110   a,  associated conditions  112   a,  and associated user information  114   a,  the trusted service  104  may, among other things, assess a risk associated with the request  100   a  and generate an indication of the assessed risk (e.g., via a score or the like). For example, the trusted service  104  may assign a relative risk ranging from a score of 1 to a score of 10. In another example, the trusted service  104  may assign a relative risk ranging from a score of 1 star to 5 stars. The assessed indication of risk may be securely associated with the user request  110   a.  In certain embodiments, the indication of risk may vary based on policies of the trusted service  104 . 
     In certain embodiments, the trusted service  104  may provide an anonymized indication of the received request  110   a  that may be viewed by systems associated with prospective lenders (e.g., service provider systems  106 - 109 ). For example, the trusted service  104  may provide an indication of the requested type of virtual currency, the requested amount for the loan, conditions  112   a  relating to the requested loan (e.g., requested term, interest rate and/or interest rate range, maximum payment, etc.), and/or an indication of an assessed risk related to the associated user without providing identifying information of the user (e.g., information  114   a ). 
     One or more systems  106 - 109  associated with prospective lenders may, based on the information provided by the trusted service  104 , provide the trusted service  104  with an indication of a type of virtual currency they wish to lend (e.g., electronic service indications  116   a - 116   c ), as well as various associated conditions  118   a - 118   c  including, for example, a minimum and/or maximum they wish to lend, a required term, interest rate, and/or interest rate range, a minimum associated risk associated with borrowers they are willing to lend to, and/or the like. In certain embodiments, the systems  106 - 109  associated with the prospective lenders may further provide the trusted service  104  with an indication that they actually possess the funds that they have indicated they wish to lend (e.g., via a certified attribute and/or the like). 
     In some embodiments, if a type of currency a prospective lender wishes to lend is different than a type of currency a borrower would like to receive in connection with a loan, the trusted service  104  may be configured to offer an exchange of currency. In certain embodiments, a commission may be charged by the trusted service  104  to the prospective lenders (e.g., service providers  106 - 109 ) and/or borrowers (e.g., user system  100 ) for any currency exchanged. 
     A single prospective service provider  106 - 109  offering electronic cryptographic currency lending services may not satisfy available loan requests issued by a user system  100 . Accordingly, if permitted by associated conditions  112   a,    118   a - 118   c,  the trusted service  104  may aggregate service offers  116   a - 116   c  received from multiple prospective service providers  106 - 109 . In certain embodiments, aggregating available service offers  116   a - 116   c  may comprise determining blended loan conditions to generate an aggregated loan offer (e.g., blended interest rates, etc.). 
     In certain embodiments, the trusted service  104  may allow service providers  106 - 109  offering electronic cryptographic currency lending services to view and select associated requests  100   a  that they wish to fund. In other embodiments, selection of prospective lenders may be automated by the trusted service  104  in accordance with one or more policies. For example, in some embodiments, the trusted service  104  may select one or more lending services offered by the service providers  106 - 109  to provide a prospective borrower with the most favorable and/or least expensive financing terms based on an associated policy. 
     If further embodiments, interactions between the user transmitting the user request  100   a  to the trusted service  104  and the various service providers  106 - 109  may be managed to preserve the anonymity of the various parties. For example, as discussed above, the trusted service  104  may act as a trusted intermediary, managing the provisioning of the electronic services  116   a - 116   c  by securely analyzing and/or enforcing conditions  112   a,    112   b,    118   a - 118   c  associated with the electronic services  116   a - 116   c  and the requests  110   a,    110   b  in a manner that does not expose confidential and secret information such as the identities of the various parties. In this manner, the privacy of the parties may be preserved, as service providers  106 - 109  offering lending services may be unable to unfairly discriminate against particular users if the users are able to meet the conditions  118   a - 118   b  specified by the service providers  106 - 109 , and users may be unable to unfairly discriminate against particular service providers  106 - 109  if the service providers  106 - 109  meet conditions  112   a  specified by the user. 
     As discussed above, in some embodiments, identifying information relating to prospective borrowers may not be provided to prospective service providers  106 - 109 . In further embodiments, the trusted service  104  may anonymize information relating to prospective borrowers prior to presenting such information to service providers  106 - 109  in connection with the disclosed systems and methods. In some embodiments, this may comprise presenting prospective service providers  106 - 109  with information relating to an indicia of a relative risk associated with a prospective borrower and/or non-identifying demographics information relating to the borrower (e.g., geographic location) without providing identifying information such as the prospective borrower&#39;s name or organization. 
     In certain embodiments, based on associated conditions  112   a,    118   a - 118   c,  if one and/or both of the prospective borrower and/or service providers  106 - 109  agree to engage in a transaction, the trusted service  104  may close the transaction between the parties by acting as an intermediary to transfer the electronic cryptographic currency from an account associated with the service provider  106 - 109  to an account associated with the borrower. In some embodiments, this transfer may further comprise a conversion process between different types of virtual currency. 
     It will be appreciated that a number of variations can be made to the architecture, relationships, and examples presented in connection with  FIG. 1  within the scope of the inventive body of work. For example, certain service  106 - 109  and/or system  100 - 104  functionalities described above may be integrated into a single service and/or system and/or any suitable combination of services and/or systems in any suitable configuration. In additional, although certain embodiments are described in connection with electronic services that relate to electronic cryptographic currency exchange, it will be appreciated that embodiments of the discloses systems and methods may be used in a variety of other contexts and/or in connection with a variety of other electronic services. Thus it will be appreciated that the architecture, relationships, and examples presented in connection with  FIG. 1  are provided for purposes of illustration and explanation, and not limitation. 
       FIG. 2  illustrates an example of a managed transaction consistent with embodiments of the present disclosure. A user system  100  may transmit an indication of a requested service  110   a  to the trusted service  104 , conditions  112   a  associated with the request  110   a,  and/or relevant information  114   a  relating to the associated user. A plurality of electronic service provider systems  106 ,  108  may transmit indications of associated electronic services  116   a,    116   b  to the trusted service  104 . In some embodiments, the service provider systems  106 ,  108  may further transmit conditions  118   a,    118   b  associated with the electronic services  116   a,    116   b.    
     As discussed above, if permitted by associated conditions  112   a,    118   a,    118   b,  the trusted service  104  may determine that the user&#39;s service request  110   a  may be fulfilled by combining multiple electronic services  116   a,    116   b.  Accordingly, the electronic service management engine  122  executing on the trusted service  104  may aggregate available electronic service  116   a,    116   b  offers into a single electronic service and return an associated electronic service response  200  and/or associated service response conditions  202  to the user system  102  (e.g., conditions blending the conditions  118   a,    118   b  associated with the constituent electronic services  116   a,    116   b  of the aggregated electronic service). The user system  100  may then accept the service response  200 , and the trusted service  104  may act as an intermediary in provisioning of the aggregated electronic service between the user system  100  and the service provider systems  106 ,  108 . 
     In further embodiments, a service response  200  may be returned by the trusted service  104 , comprising either multiple packaged electronic services  116   a,    116   b  or a single electronic service (e.g., electronic service  116   a  or  116   b ), that may not necessarily satisfy all conditions  112   a  and/or other requirements of an associated service request  110   a  for consideration by a user of a user system  100 . For example, in some circumstances, electronic services  116   a,    116   b,  provided to the trusted service  104  by the service providers  106 ,  108  for offering to user systems  100  may not satisfy all conditions  112   a  of a service request  110   a  issued by a user system  100 , but may satisfy a certain number of conditions  112   a  and/or satisfy conditions  112   a  to a certain degree. 
     In one example, a user system may issue a service request  110   a  to the trusted service  104  seeking a loan of a certain amount of electronic cryptographic currency at a specified lending rate, as reflected in conditions  112   a  associated with the request  110   a.  The trusted service  104  may determine that available electronic services  116   a,    116   b  offered by the service providers  106 ,  108  do not meet all conditions  112   a  of the service request  110   a.  For example, the electronic services  116   a,    116   b  may comprise lending services at a lower amount and/or at a higher rate than that associated with the service request  110   a  as reflected in its associated conditions  112   a.  The trusted service  104  may nevertheless identified that the electronic services  116   a,    116   b  offered by the service providers  106 ,  108  satisfy a certain number of conditions  112   a  (e.g., satisfy at least one of an amount of electronic currency or a specified lending rate) or satisfy conditions  112   a  to a certain degree (e.g., satisfy within a certain amount of the specified amount and/or within a certain percentage of the specified lending rate). Accordingly, the trusted service may return a service response  200  to the user system  100  offering the identified services  116   a,    116   b  for possible acceptance by the user system  100 . If the user system  100  accepts the service response  200 , the trusted service  104  may act as a trusted intermediary in provisioning of the electronic service(s)  116   a,    116   b  between the user system  100  and the associated provider system(s)  106 ,  108 . 
       FIG. 3  illustrates an example of a method  300  for managing electronic services consistent with embodiments of the present disclosure. The illustrated method  300  may be implemented in a variety of ways, including using software, firmware, hardware, and/or any combination thereof. In certain embodiments, various aspects of the method  300  may be implemented by one or more systems associated with a user, a trusted service, and/or a service provider. In some embodiments, the illustrated method may provide for condition-based aggregation of electronic services from one or more services providers to satisfy user requests. 
     At  302 , a first electronic service indication may be received by a trusted service from a first service provider system. The first electronic service indication may comprise, one or more first conditions associated with a first electronic service offered by the first service provider system. The one or more first conditions may articulate a variety of conditions relating to the provisioning, access to, and/or use of the first electronic service, including any of the conditions described herein. In some embodiments, the first electronic service indication may comprise information associated with the first service provider system and/or an associated service provider. 
     At  304 , the trusted service may receive a second electronic service indication from a second service provider system. The second electronic service indication may comprise, one or more second conditions associated with a second electronic service offered by the second service provider system. In some embodiments, the second electronic service may be different, at least in part, than the first electronic service. Similarly, in some embodiments, the one or more second conditions may be different, at least in part, than the one or more first conditions. 
     The one or more second conditions may articulate a variety of conditions relating to the provisioning, access to, and/or use of the second electronic service, including any of the conditions described herein. In some embodiments, the second electronic service indication may further comprise information associated with the second service provider system and/or an associated service provider. 
     A first electronic service request may be received from a first user system at  306 . In some embodiments, the first electronic service request may comprise one or more third conditions associated with the first electronic service request. For example, the one or more third conditions may articulate one more conditions associated with the fulfillment of the first electronic service request. 
     At  308 , the one or more first conditions, the one or more second conditions, and the one or more third conditions may be compared. In some embodiments, based on the comparison at  308 , it may be determined that a single electronic service may not satisfy the first electronic service request issued to the trusted service, but that the first electronic service and the second electronic service, if combined, may satisfy the request. At  310 , it may be determined whether the one or more first conditions, the one or more second conditions, and the one or more third conditions permit packaging and/or otherwise aggregating the first electronic service and the second electronic service to fulfill the first electronic service request received at  306 . If not, the method  300  may proceed to end. If packing of the electronic services is permitted by relevant conditions, the method  300  may proceed to  312 . 
     At  312 , an electronic service package may be generated based on the first electronic service and the second electronic service. In some embodiments, generating the electronic service package may be based on the one or more first conditions, the one or more second conditions, and the one or more third conditions. Generating the electronic service package may include securely associating one or more fourth conditions with the electronic service package (e.g., cryptographically associating the conditions with the package). The one or more fourth conditions may be based, at least in part, on the one or more first conditions, the one or more second conditions, and the one or more third conditions. 
     At  314 , the first user system may be provisioned with the electronic service package. 
     In some embodiments, a single electronic service request may not satisfy conditions associated with available electronic services, but multiple electronic service requests, if combined, may satisfy such conditions associated with at least one available electronic service. For example, in some embodiments, a trusted service may receive, from a service provider system, an electronic service indication that includes one or more first conditions associated with an electronic service. The trusted service may further receive, from a first user system, a first electronic service request that includes one or more second conditions associated with the first electronic service request. Finally, the trusted service may receive, from a second user system, a second electronic service request that includes one or more third conditions associated with the second electronic service request. 
     The the one or more first conditions, the one or more second conditions, and the one or more third conditions may be compared to determine whether the first electronic service request and the second electronic service request may be packaged and/or otherwise aggregated in a manner that satisfies the one or more first conditions, the one or more second conditions, and the one or more third conditions. If so, an electronic service request package may be generated based on the first electronic service request and the second electronic service request, and the first user system and the second user system may be provisioned with the electronic service. 
       FIG. 4  illustrates an exemplary system  400  that may be used to implement embodiments of the systems and methods of the present disclosure. Certain elements associated with the illustrated exemplary system  400  may be included in a user system, trusted service, a product provider system, and/or any other system configured to implement embodiments of the disclosed systems and methods. As illustrated in  FIG. 4 , the system  400  may include: a processing unit  402 ; system memory  404 , which may include high speed random access memory (“RAM”), non-volatile memory (“ROM”), and/or one or more bulk non-volatile non-transitory computer-readable storage mediums (e.g., a hard disk, flash memory, etc.) for storing programs and other data for use and execution by the processing unit  402 ; a port  406  for interfacing with removable memory  408  that may include one or more diskettes, optical storage mediums, and/or other non-transitory computer-readable storage mediums (e.g., flash memory, thumb drives, USB dongles, compact discs, DVDs, etc.); a network interface  410  for communicating with other systems via one or more network connections  412  using one or more communication technologies; a user interface  414  that may include a display and/or one or more input/output devices such as, for example, a touchscreen, a keyboard, a mouse, a track pad, and the like; and one or more busses  416  for communicatively coupling the elements of the system. 
     In some embodiments, the system  400  may, alternatively or in addition, include an SPU  418  that is protected from tampering by a user of the system  400  or other entities by utilizing secure physical and/or virtual security techniques. An SPU  418  can help enhance the security of sensitive operations such as personal information management, trusted credential and/or key management, privacy, condition, and/or policy management, and other aspects of the systems and methods disclosed herein. In certain embodiments, the SPU  418  may operate in a logically secure processing domain and be configured to protect and operate on secret information, as described herein. In some embodiments, the SPU  418  may include internal memory storing executable instructions or programs configured to enable the SPU  418  to perform secure operations. 
     The operation of the system  400  may be generally controlled by a processing unit  402  and/or an SPU  418  operating by executing software instructions and programs stored in the system memory  404  (and/or other computer-readable media, such as removable memory). The system memory  404  may store a variety of executable programs or modules for controlling the operation of the system. For example, the system memory  404  may include an operating system (“OS”)  420  that may manage and coordinate, at least in part, system hardware resources and provide for common services for execution of various applications  422  and a trust and privacy management system for implementing trust and privacy management functionality including protection and/or management of personal data through management and/or enforcement of associated policies. The system memory  104  may further include, without limitation, communication software configured to enable in part communication with and by the system; one or more applications  422 ; electronic service requests and/or associated conditions; user information (e.g., electronic service provider and/or requestor information)  426 ; available electronic services and/or associated conditions  428 ; a response generation engine  430 ; and/or any other information and/or applications configured to implement embodiments of the systems and methods disclosed herein. 
     The systems and methods disclosed herein are not inherently related to any particular computer, device, service, or other apparatus and may be implemented by a suitable combination of hardware, software, and/or firmware. Software implementations may include one or more computer programs comprising executable code/instructions that, when executed by a processor, may cause the processor to perform a method defined at least in part by the executable instructions. The computer program can be written in any form of programming language, including compiled or interpreted languages, and can be deployed in any form, including as a standalone program or as a module, component, subroutine, or other unit suitable for use in a computing environment. Further, a computer program can be deployed to be executed on one computer or on multiple computers at one site or distributed across multiple sites and interconnected by a communication network. Software embodiments may be implemented as a computer program product that comprises a non-transitory storage medium configured to store computer programs and instructions, that when executed by a processor, are configured to cause the processor to perform a method according to the instructions. In certain embodiments, the non-transitory storage medium may take any form capable of storing processor-readable instructions on a non-transitory storage medium. A non-transitory storage medium may be embodied by a compact disk, digital-video disk, an optical storage medium, flash memory, integrated circuits, or any other non-transitory digital processing apparatus memory device. 
     Although the foregoing has been described in some detail for purposes of clarity, it will be apparent that certain changes and modifications may be made without departing from the principles thereof. It should be noted that there are many alternative ways of implementing both the systems and methods described herein. Accordingly, the present embodiments are to be considered as illustrative and not restrictive, and the invention is not to be limited to the details given herein, but may be modified within the scope and equivalents of the appended claims.