GENERATING USER INTERFACES COMPRISING DYNAMIC BASE LIMIT VALUE USER INTERFACE ELEMENTS DETERMINED FROM A BASE LIMIT VALUE MODEL
The disclosure describes embodiments of systems, methods, and non-transitory computer readable storage media that utilize a variety of machine learning models and a base limit value model to generate user interface elements that transparently and efficiently present current and future base limit values for user accounts. For example, the disclosed systems can select from between multiple activity machine learning models and utilize the selected activity machine learning model with user activity data to determine an activity score. Then, the disclosed systems can determine a base limit value using a base limit value model that includes relations between activity scores and various user activity conditions. Additionally, the disclosed systems can generate user interface elements within a graphical user interface to display the determined base limit value, a subsequent base limit value, and user activity conditions to achieve the subsequent base limit value within a graphical user interface.
1 . A computer-implemented method comprising:
selecting an activity machine learning model from a plurality of activity machine learning models utilizing a user activity duration corresponding to a user account;
generating an activity score utilizing the activity machine learning model from user activity data corresponding to the user account;
determining a base limit value from the activity score utilizing a base limit value model; and
providing for display, within a graphical user interface of a computing device corresponding to the user account, a user interface element indicating the base limit value, a subsequent base limit value, and one or more user activity conditions to achieve the subsequent base limit value.
2 . The computer-implemented method of claim 1 , further comprising selecting the activity machine learning model based on the user activity duration satisfying a user activity duration range corresponding to the activity machine learning model.
3 . The computer-implemented method of claim 1 , wherein generating the activity score utilizing user account activity data comprises utilizing at least one of historical application utilization, duration of satisfying a threshold account value, historical base limit value utilization, base limit value payoff times, historical flagged activities, historical transaction activity, or number of declined transactions, with the activity machine learning model.
4 . The computer-implemented method of claim 1 , further comprising utilizing the activity score to determine a base limit value utilization risk level for the user account.
5 . The computer-implemented method of claim 1 , wherein determining the base limit value comprises determining an excess utilization buffer for the user account.
6 . The computer-implemented method of claim 1 , wherein utilizing the base limit value model comprises utilizing a base limit value matrix comprising activity scores and user activity conditions that reference base limit values.
7 . The computer-implemented method of claim 6 , further comprising determining the base limit value by identifying a particular base limit value within the base limit value matrix that maps to the activity score and a user activity condition corresponding to the user account.
8 . The computer-implemented method of claim 1 , further comprising determining the base limit value utilizing the base limit value model by:
selecting, from multiple base limit value tiered data tables, a base limit value tiered data table utilizing the activity score, the base limit value tiered data table comprising base limit values and a set of user activity conditions to satisfy to achieve subsequent base limit values; and
utilizing the base limit value tiered data table to determine the base limit value, the subsequent base limit value, and the one or more user activity conditions to achieve the subsequent base limit value.
9 . The computer-implemented method of claim 8 , further comprising identifying the base limit value from the base limit value tiered data table utilizing user activity corresponding to the user account.
10 . The computer-implemented method of claim 1 , further comprising:
identifying updated user activity data corresponding to the user account;
determining one or more updated user activity conditions to achieve at least one subsequent base limit value from the updated user activity data; and
modifying the user interface element, within the graphical user interface, by providing for display the one or more updated user activity conditions to satisfy to achieve the at least one subsequent base limit value.
11 . A non-transitory computer-readable medium storing instructions that, when executed by at least one processor, cause a computing device to:
select an activity machine learning model from a plurality of activity machine learning models utilizing a user activity duration corresponding to a user account;
generate an activity score utilizing the activity machine learning model from user activity data corresponding to the user account;
determine a base limit value from the activity score utilizing a base limit value model; and
provide for display, within a graphical user interface of a computing device corresponding to the user account, a user interface element indicating the base limit value, a subsequent base limit value, and one or more user activity conditions to achieve the subsequent base limit value.
12 . The non-transitory computer-readable medium of claim 11 , further comprising instructions that, when executed by the at least one processor, cause the computing device to select the activity machine learning model based on the user activity duration satisfying a user activity duration range corresponding to the activity machine learning model.
13 . The non-transitory computer-readable medium of claim 11 , further comprising instructions that, when executed by the at least one processor, cause the computing device to determine a deposit transaction activity of the user account or a frequency of the deposit transaction activity.
14 . The non-transitory computer-readable medium of claim 11 , wherein utilizing the base limit value model comprises utilizing a base limit value matrix comprising activity scores and user activity conditions that reference base limit values.
15 . The non-transitory computer-readable medium of claim 14 , further comprising instructions that, when executed by the at least one processor, cause the computing device to determine the base limit value by identifying a particular base limit value within the base limit value matrix that maps to the activity score and a user activity corresponding to the user account.
16 . A system comprising:
at least one processor; and
at least one non-transitory computer-readable storage medium storing instructions that, when executed by the at least one processor, cause the system to:
select an activity machine learning model from a plurality of activity machine learning models utilizing a user activity duration corresponding to a user account;
generate an activity score utilizing the activity machine learning model from user activity data corresponding to the user account;
determine a base limit value from the activity score utilizing a base limit value model; and
provide for display, within a graphical user interface of a computing device corresponding to the user account, a user interface element indicating the base limit value, a subsequent base limit value, and one or more user activity conditions to achieve the subsequent base limit value.
17 . The system of claim 16 , further comprising instructions that, when executed by the at least one processor, cause the system to:
train a first activity machine learning model to generate activity scores utilizing a first set of user activity data from the plurality of activity machine learning models; and
train a second activity machine learning model to generate activity scores utilizing a second set of user activity data from the plurality of activity machine learning models.
18 . The system of claim 16 , wherein utilizing the base limit value model comprises utilizing a base limit value matrix comprising activity scores and user activity conditions that reference base limit values and further comprising instructions that, when executed by the at least one processor, cause the system to determine the base limit value by identifying a particular base limit value within the base limit value matrix that maps to the activity score and a user activity corresponding to the user account.
19 . The system of claim 16 , further comprising instructions that, when executed by the at least one processor, cause the system to determine the base limit value utilizing the base limit value model by:
selecting, from multiple base limit value tiered data tables, a base limit value tiered data table utilizing the activity score, the base limit value tiered data table comprising base limit values and a set of user activity conditions to satisfy to achieve subsequent base limit values; and
utilizing the base limit value tiered data table to determine the base limit value, the subsequent base limit value, and the one or more user activity conditions to achieve the subsequent base limit value.
20 . The system of claim 19 , further comprising instructions that, when executed by the at least one processor, cause the system to identify the base limit value from the base limit value tiered data table utilizing user activity corresponding to the user account.