Digital reputation management

1. A method of managing a digital reputation of a user by suggesting alternative purchases, the method comprising:

receiving, via a portable electronic device, information about an item to be purchased by a user wherein the information about the item is received by at least one of: scanning a bar code on the item, obtaining a photo of the item, or receiving contents of a shopping cart including the item;

determining in real-time or near real-time, based on one or more financial factors, a first digital reputation score indicative of an effect of the item on a digital reputation of the user;

causing the first digital reputation score to be displayed to the user via the portable electronic device;

determining an alternative item to be purchased instead of the item to be purchased

causing an indication of the alternative item to be displayed to the user via the portable electronic device;

determining a second digital reputation score based on the purchase of the alternative item; and

causing the second digital reputation score to be is-displayed to the user via the portable electronic device.

2. The method of claim 1 , wherein the first and second digital reputation scores are displayed as markers on a line or bar that includes colors characterizing the first and second digital reputation scores.

3. The method of claim 2 , wherein a green color characterizes an excellent digital reputation score, a yellow color characterizes a moderate digital reputation, and a red color characterizes a poor digital reputation score.

4. The method of claim 1 , wherein the one or more financial factors for the user include spending habit, saving habit, age, income, shopping subscriptions, social media postings, bankruptcies, or any combination thereof.

5. The method of claim 1 , wherein the information about the item is received by at least one of: scanning a bar code on the item or obtaining a photo of a shopping cart including the item.

6. The method of claim 1 , wherein the alternative item is displayed with a hyperlink.

7. The method of claim 1 , further comprising:

determining one or more coupons to be used for the item to be purchased, wherein the one or more coupons are displayed to the user.

8. The method of claim 1 , further comprising:

determining an alternative time or date to purchase the item, wherein the alternative time or date results in a higher digital reputation score, and wherein the alternative time or date is displayed to the user.

9. The method of claim 1 , further comprising:

masking the received information about the item from an identity of the user to prevent purchase information from being mapped back to the user, the masking of the received information being based on a user preference information received from a payment card.

10. The method of claim 1 , further comprising:

determining a location of the user via information gathered from the portable electronic device; and

determining an alternative location to purchase the item, where purchasing the item in the alternative location results in a higher digital reputation score of the user than purchasing the item in the location.

11. The method of claim 1 , further comprising:

determining an additional item to be purchased with the item to be purchased, wherein the additional item is displayed to the user.

12. A non-transitory computer-readable storage medium storing instructions that, when executed by a computing system, cause the computing system to perform a process comprising:

receiving information about an item to be purchased by the user, wherein the information is collected via a portable electronic device;

determining in real-time or near real-time, based on one or more financial factors, a first digital reputation score indicative of an effect of the item on the user's digital reputation;

causing the first digital reputation score to be displayed to the user via the portable electronic device;

determining an alternative item to be purchased instead of the item to be purchased;

causing an indication of the alternative item to be displayed to the user via the portable electronic device;

determine a second digital reputation score based on the purchase of the alternative item; and

causing the second digital reputation score to be displayed to the user via the portable electronic device.

13. The non-transitory computer-readable storage medium of claim 12 , wherein the first and second digital reputation scores are displayed as markers on a line or bar that includes colors characterizing the first and second digital reputation scores.

14. The non-transitory computer-readable storage medium of claim 13 , wherein a green color characterizes an excellent digital reputation score, a yellow color characterizes a moderate digital reputation, and a red color characterizes a poor digital reputation score.

15. The non-transitory computer-readable storage medium of claim 12 , wherein the one or more financial factors for the user include spending habit, saving habit, age, income, shopping subscriptions, social media postings, bankruptcies, or publicly available information.

16. The non-transitory computer-readable storage medium of claim 12 , wherein the information about the item is received by at least one of: scanning a bar code on the item, obtaining a photo of the item, or receiving contents of a shopping cart including the item.

17. A computing system comprising:

one or more processors; and

one or more memories storing instructions that, when executed by a computing system, cause the computing system to perform a process comprising:

receiving information about an item to be purchased by the user, wherein the information is collected via a portable electronic device;

determining in real-time or near real-time, based on one or more financial factors, a first digital reputation score indicative of an effect of the item on the user's digital reputation;

wherein the first digital reputation score is displayed to the user via the portable electronic device;

determining an alternative item to be purchased instead of the item to be purchased;

wherein an indication of the alternative item is displayed to the user via the portable electronic device; and

determining a second digital reputation score based on the purchase of the alternative item;

wherein the second digital reputation score is displayed to the user via the portable electronic device.

18. The computing system of claim 17 , wherein the process further comprises:

determining an alternative time or date to purchase the item, wherein the alternative time or date results in a higher digital reputation score, and wherein the alternative time or date is displayed to the user.

19. The computing system of claim 17 , wherein the process further comprises:

masking the received information about the item from an identity of the user to prevent purchase information from being mapped back to the user, the masking of the received information being based on a user preference information received from a payment card.

20. The computing system of claim 17 , wherein the process further comprises:

determining a location of the user via information gathered from the portable electronic device; and

determining an alternative location to purchase the item, where purchasing the item in the alternative location results in a higher digital reputation score of the user than purchasing the item in the location.