Machine learning system for routing payment requests to different customer accounts

1. A system for processing a purchase transaction by a customer, the system comprising:

a memory configured to store a plurality of accounts and, in association with each of the plurality of accounts, (i) a current account balance, and (ii) activity data relating to historical activity, by a customer, on the account; and

at least one processor configured to:

receive, from a third-party system, a request to approve a transaction of a requested value, the transaction having been initiated by the customer associated with the plurality of accounts;

determine whether the plurality of accounts of the customer have funds greater than the requested value;

train a machine learning model by:

identifying account selections for customers who have been successful in obtaining particular goals;

segmenting the customers into groups based on a K-means clustering of transaction histories of the customers;

inferring account selections for a cluster set of the customers from the K-means clustering;

and

feeding, to the machine learning model, training data that is representative of a group of the cluster set of the customers who selected a customer account for achieving a goal the same as at least one customer preference or goal of the customer;

select, using the machine learning model, at least one account of the plurality of accounts to provide the requested value of the transaction based on a plurality of inputs to the machine learning model in response to a determination indicating that the plurality of accounts have greater than the requested value, wherein the plurality of inputs includes the at least one customer preference or goal of the customer and information regarding the plurality of accounts;

detect a change to an account of the plurality of accounts in a customer account database;

based on detecting the change to the account, select, using the machine learning model, a different at least one account of the plurality of accounts to provide the requested value of the transaction based on account balances, the at least one customer preference or goal, and cost information for the purchase transaction; and

transfer the requested value from the selected different at least one account of the plurality of accounts to the third-party system.

2. The system of claim 1 , wherein the plurality of inputs further includes historical data of the customer and aggregated historical data of several customers.

3. The system of claim 1 , wherein the selection of the at least one account of the plurality of accounts to provide the requested value includes selecting two or more accounts of the plurality of accounts and the at least one processor is further configured to determine an amount of the requested value to be provided by each of the two or more accounts.

4. The system of claim 1 , wherein the at least one processor is further configured to request additional funds from a partner financial entity in response to a determination indicating that the plurality of accounts have less than the requested value.

5. The system of claim 1 , wherein the at least one customer preference or goal includes one or more of:

information regarding a number of times an account of the plurality of accounts is used in a predetermined time frame;

information regarding a type of transaction permitted with an account of the plurality of accounts;

information regarding an amount of funds permitted to be withdrawn from an account of the plurality of accounts in a predetermined time frame; or

information regarding a priority of each account of the plurality of accounts.

6. The system of claim 1 , wherein the plurality of inputs further includes information regarding prior transactions by the customer.

7. The system of claim 1 , further comprising a user interface, wherein the user interface is configured to permit the customer to assign a weight or priority to each customer preference or goal of the at least one customer preference or goal.

8. A method comprising:

receiving from a third-party system, a request to approve a transaction of a requested value, the transaction having been initiated by a customer having a plurality of accounts at a financial entity;

determining whether the plurality of accounts of the customer have funds greater than the requested value;

training a machine learning model by:

identifying account selections for customers who have been successful in obtaining particular goals;

segmenting the customers into groups based on a K-means clustering of transaction histories of the customers;

inferring account selections for a cluster set of the customers from the K-means clustering;

and

feeding, to the machine learning model, training data that is representative of a group of the cluster set of the customers who selected a customer account for achieving a goal the same as at least one customer preference or goal of the customer;

selecting, using the machine learning model, at least one account of the plurality of accounts to provide the requested value of the transaction based on a plurality of inputs to the machine learning model in response to the determining indicating that the plurality of accounts have greater than the requested value, wherein the plurality of inputs includes the at least one customer preference or goal of the customer and information regarding the plurality of accounts;

detecting a change to an account of the plurality of accounts in a customer account database;

based on detecting the change to the account, selecting, using the machine learning model, a different at least one account of the plurality of accounts to provide the requested value of the transaction based on account balances, the at least one customer preference or goal, and cost information for the transaction; and

transferring the requested value from the selected different at least one account of the plurality of accounts to the third-party system.

9. The method of claim 8 , wherein the plurality of inputs further includes historical data of the customer and aggregated historical data of several customers.

10. The method of claim 8 , wherein the selecting the at least one account of the plurality of accounts to provide the requested value includes selecting two or more accounts of the plurality of accounts and determining an amount of the requested value to be provided by each of the two or more accounts.

11. The method of claim 8 , further comprising one of: 1) providing a loan to the customer, or 2) permitting the customer to have a negative account balance in response to the determining indicating that the plurality of accounts have less than the requested value.

12. The method of claim 11 , wherein the loan to the customer makes up a difference between a total balance of the plurality of accounts and the requested value.

13. The method of claim 8 , wherein the at least one customer preference or goal includes one or more of:

information regarding a number of times an account of the plurality of accounts is used in a predetermined time frame;

information regarding a type of transaction permitted with an account of the plurality of accounts;

information regarding an amount of funds permitted to be withdrawn from an account of the plurality of accounts in a predetermined time frame; or

information regarding a priority of each account of the plurality of accounts.

14. The method of claim 8 , wherein the plurality of inputs further includes information regarding prior transactions by the customer.

15. The method of claim 8 , further comprising notifying the customer of the transfer of the requested value from the selected at least one account.

16. A non-transitory computer-readable storage medium comprising instructions stored therein, which when executed by one or more processors, cause the one or more processors to perform operations comprising:

receiving from a third-party system, a request to approve a transaction of a requested value, the transaction having been initiated by a customer having a plurality of accounts at a financial entity;

determining whether the plurality of accounts of the customer have funds greater than the requested value;

training a machine learning model by:

identifying account selections for customers who have been successful in obtaining particular goals;

segmenting the customers into groups based on a K-means clustering of transaction histories of the customers;

inferring account selections for a cluster set of the customers from the K-means clustering;

and

feeding, to the machine learning model, training data that is representative of a group of the cluster set of the customers who selected a customer account for achieving a goal the same as at least one customer preference or goal of the customer;

selecting, using the machine learning model, at least one account of the plurality of accounts to provide the requested value of the transaction based on a plurality of inputs to the machine learning model in response to the determining indicating that the plurality of accounts have greater than the requested value, wherein the plurality of inputs includes the at least one customer preference or goal of the customer and information regarding the plurality of accounts;

detecting a change to an account of the plurality of accounts in a customer account database;

based on detecting the change to the account, selecting, using the machine learning model, a different at least one account of the plurality of accounts to provide the requested value of the transaction based on account balances, the at least one customer preference or goal, and cost information for the transaction; and

transferring the requested value from the selected different at least one account of the plurality of accounts to the third-party system.

17. The non-transitory computer-readable storage medium of claim 16 , wherein the instructions stored therein, when executed by one or more processors, cause the one or more processors to further perform operations comprising requesting additional funds from a partner financial entity in response to the determining indicating that the plurality of accounts have less than the requested value.

18. The non-transitory computer-readable storage medium of claim 16 , wherein the selecting the at least one account of the plurality of accounts to provide the requested value includes selecting two or more accounts of the plurality of accounts and determining an amount of the requested value to be provided by each of the two or more accounts.

19. The non-transitory computer-readable storage medium of claim 16 , wherein the plurality of inputs further includes historical data of the customer and aggregated historical data of several customers.

20. The non-transitory computer-readable storage medium of claim 16 , wherein the plurality of inputs further includes information regarding prior transactions by the customer.