A method may include collecting, in a data store, a plurality of signals associated with a user and a geographic area; calculating, using at least one processor, a satisfaction score for the user with respect to the geographic area based on the plurality of signals; querying the data store to retrieve a set of entities associated with the geographic area; generating, using the at least one processor, a respective credit allocation amount for each of the set of entities based on the satisfaction score and a user-specified allocation modality; and initiating a transfer from a user account to a set of receiver accounts according to the respective generated credit allocation amounts.