Developing a Secure Child and Youth Marketplace Platform for Managing Digital Transactions and Educational Activities

The client faces a challenge in providing a secure, user-friendly online environment where children and teenagers can learn money management skills by buying, selling, and exchanging items. Current gaps include lack of dedicated digital platforms tailored for young users, inadequate oversight mechanisms, and limited integration with trusted payment processors for real-money transactions, all while ensuring safety and compliance with privacy standards.

A technology-driven educational organization aiming to enhance financial literacy among children and teenagers through a safe, interactive marketplace platform integrated with digital payment solutions.

• Create a comprehensive, child-friendly online marketplace that allows young users to list, buy, and swap items in a secure environment.
• Implement parental controls and oversight features, including account management and deal moderation, to protect minors.
• Integrate a reliable digital wallet and payment system capable of handling real-money transactions with split payments and fund management.
• Develop administrative and educational interfaces for schools to set up accounts, manage student activity, and facilitate classroom activities.
• Ensure compliance with safety standards through automated content moderation and user activity oversight.
• Implement multi-tiered user roles including children, parents/guardians, and educational institutions.

• Child and guardian profiles with account and deal management capabilities
• Parent/guardian approval workflows for deal moderation and transaction oversight
• Digital wallet management with top-up, spending limits, and funds splitting features
• Personalized store creation with customizable storefront aesthetics
• Item listing including photo upload, descriptions, pricing, and approval workflows
• Secure purchasing and trading functionalities, supporting exchanges and cash offers
• Multi-user subaccount setup for schools, enabling classroom collaboration and resource sharing
• Content moderation tools integrated for image and comment review using AI and professional oversight
• Real-time notifications and communication via SMS for activity alerts and verification
• Address management using postcode lookup for seamless address entry during transactions
• Integration with third-party services for payment processing, moderation, notifications, and address services

• Payment gateway with e-wallet capabilities for real-money transactions
• Content moderation services with AI and professional review workflows
• SMS notification service for activity alerts and verification
• Address lookup API for postal code and address auto-completion
• Support ticketing and feedback system for user reports and admin responses

• High availability with 99.9% uptime to support active user base
• Scalable architecture capable of supporting a growing number of child and school accounts
• Strong security measures including data encryption, secure authentication, and access controls
• Content moderation latency under 2 seconds for image review processes
• Compliance with GDPR and child data protection standards

The new platform aims to empower children and teenagers with practical financial skills by providing a safe, engaging online environment for buying, selling, and exchanging items. Anticipated outcomes include increased user engagement, improved financial literacy, and enhanced parental and educational oversight. The integration of real-money transactions with secure digital wallets is expected to facilitate educational activities such as fundraising and classroom resource management, thereby fostering socially responsible and environmentally conscious behaviors among young learners.