Patent ID: 8086525

Claim:
A system for determining a risk rating associated with a subject to support a person-to-person transaction, the system comprising: a profile device in communication with a database, the database comprising personal information and history information associated with the subject, the profile device comprising a profile engine stored on a computer-readable medium, the profile engine being configured to: access the personal information to authenticate the subject; access the history information to generate a risk rating for the subject, wherein the risk rating is generated by scoring the history information using pre-set criteria; output the risk rating to a reviewer identified by the subject; receive a transaction guarantee request for the person-to-person transaction, the request comprising transaction data; receive previous business information associated with prior transactions involving the subject; determine an amount for a transaction guarantee for the person-to-person transaction based on the transaction data, the previous business information, and the risk rating; and output a message in response to the transaction guarantee request to the reviewer identified by the subject, the message comprising an amount of the transaction guarantee; and a graphical user interface configured to receive and display the generated risk rating and the message in response to the transaction guarantee request from the profile device over a network.