Systems and methods for trait-based transaction processing

1. A method for processing, by a first computer platform system, a request associated with a second computer platform system comprising:

receiving, at the first computer platform system, the request associated with the second computer platform system, wherein the second computer platform system is configured to process a plurality of requests from one or more systems;

in response to the request, determining, at the first computer platform system, a plurality of account traits associated with the second computer platform system, wherein respective ones of the plurality of account traits control an operation of the first computer platform system processing the request with respect to the second computer platform system;

detecting, at the first computer platform system, a risk trait from the plurality of account traits associated with the second computer platform system;

in response to determining, at the first computer platform system, that the risk trait of the plurality of account traits comprises a first value indicating that the first computer platform system is to determine a risk value for the request, invoking, at the first computer platform system, one or more machine learning models to generate the risk value for the request, determining, at the first computer platform system, whether the risk value exceeds a risk threshold, and in response to determining the risk value exceeding the risk threshold, denying, at the first computer platform system, the request, wherein the one or more machine learning models are at least partially created using features extracted from historical data;

in response to determining, at the first computer platform system, that the risk trait of the plurality of account traits comprises a second value indicating that the first computer platform system is to defer determining the risk value for the request, deferring, at the first computer platform system, a determination of the risk value for the request to the second computer platform system;

detecting, at the first computer platform system, a user interface (UI) trait from the plurality of account traits associated with the second computer platform system;

in response to determining, at the first computer platform system, that the UI trait of the plurality of account traits comprises a first value indicating that the first computer platform system is to generate a first UI dashboard for a first system of the one or more systems, generating, at the first computer platform system, the first UI dashboard for the first system, and transmitting, at the first computer platform system, the first UI dashboard to the first system, wherein the first UI dashboard is displayed on the first system; and

in response to determining, at the first computer platform system, that the UI trait of the plurality of account traits comprises a second value indicating that the second computer platform system is to provide a second UI dashboard to the first system, transmitting, at the first computer platform system, UI data to the second computer platform system to enable the second computer platform system to generate the second UI dashboard, wherein the second computer platform system generates the second UI dashboard based on the UI data and transmits the second UI dashboard to the first system, and the second UI dashboard is displayed on the first system.

2. The method according to claim 1 , further comprising: in response to determining, at the first computer platform system, that the risk trait of the plurality of account traits comprises a third value:

determining, at the first computer platform system, the risk value for the request;

generating, at the first computer platform system, a communication comprising a risk recommendation corresponding to the request based on the risk value; and

transmitting, at the first computer platform system, the risk recommendation to the second computer platform system.

3. The method according to claim 1 , further comprising modifying, at the first computer platform system, the risk trait of the plurality of account traits to transition the determination of the risk value for the request from the first computer platform system to the second computer platform system.

4. The method according to claim 1 , further comprising:

in response to determining, at the first computer platform system, that the UI trait of the plurality of account traits comprises a third value indicating that the second computer platform system is to provide a third UI dashboard that includes an embedded UI from the first computer platform system, generating, at the first computer platform system, the embedded UI for inclusion in the third UI dashboard generated by the second computer platform system.

5. The method according to claim 1 , wherein the request is associated with the first system of the one or more systems, and

wherein the method further comprises:

detecting, at the first computer platform system, a third account trait from the plurality of account traits associated with the second computer platform system;

in response to determining, at the first computer platform system, that the third account trait of the plurality of account traits comprises a first value, generating, at the first computer platform system, a first charge for the first system in response to the request and submitting the first charge to the first system; and

in response to determining, at the first computer platform system, that the third account trait of the plurality of account traits comprises a second value, generating, at the first computer platform system, a second charge for the second computer platform system in response to the request and submitting the second charge to the second computer platform system.

6. The method according to claim 1 , wherein the request is associated with the first system of the one or more systems, and a structure of the first UI dashboard is generated based in part on one or more of the plurality of account traits of the second computer platform system.

7. The method according to claim 6 , further comprising:

in response to the risk value exceeding the risk threshold, transmitting, at the first computer platform system, a communication to the first UI dashboard for the first system that indicates the request has been denied.

8. A non-transitory computer readable storage medium including instructions that, when executed by a processor, cause the processor to perform operations for processing a request associated with a second computer platform system, the operations comprising:

receiving, at a first computer platform system, the request associated with the second computer platform system, wherein the second computer platform system is configured to process a plurality of requests from one or more systems;

in response to the request, determining, at a first computer platform system, a plurality of account traits associated with the second computer platform system, wherein respective ones of the plurality of account traits control an operation of the first computer platform system processing the request with respect to the second computer platform system;

detecting, at a first computer platform system, a risk trait from the plurality of account traits associated with the second computer platform system;

in response to determining, at a first computer platform system, that the risk trait of the plurality of account traits comprises a first value indicating that the first computer platform system is to determine a risk value for the request, invoking, at the first computer platform system, one or more machine learning models to generate the risk value for the request, determining, at the first computer platform system, whether the risk value exceeds a risk threshold, and in response to determining the risk value exceeding the risk threshold, denying, at the first computer platform system, the request, wherein the one or more machine learning models are at least partially created using features extracted from historical data;

in response to determining, at the first computer platform system, that the risk trait of the plurality of account traits comprises a second value indicating that the first computer platform system is to defer determining the risk value for the request, deferring, at the first computer platform system, a determination of the risk value for the request to the second computer platform system;

detecting, at the first computer platform system, a user interface (UI) trait from the plurality of account traits associated with the second computer platform system;

in response to determining, at the first computer platform system, that the UI trait of the plurality of account traits comprises a first value indicating that the first computer platform system is to generate a first UI dashboard for a first system of the one or more systems, generating, at the first computer platform system, the first UI dashboard for the first system, and transmitting, at the first computer platform system, the first UI dashboard to the first system, wherein the first UI dashboard is displayed on the first system; and

in response to determining, at the first computer platform system, that the UI trait of the plurality of account traits comprises a second value indicating that the second computer platform system is to provide a second UI dashboard to the first system, transmitting, at the first computer platform system, UI data to the second computer platform system to enable the second computer platform system to generate the second UI dashboard, wherein the second computer platform system generates the second UI dashboard based on the UI data and transmits the second UI dashboard to the first system, and the second UI dashboard is displayed on the first system.

9. The non-transitory computer readable storage medium according to claim 8 , wherein the operations further comprise: in response to determining, at the first computer platform system, that the risk trait of the plurality of account traits comprises a third value:

determining, at the first computer platform system, the risk value for the request;

generating, at the first computer platform system, a communication comprising a risk recommendation corresponding to the request based on the risk value; and

transmitting, at the first computer platform system, the risk recommendation to the second computer platform system.

10. The non-transitory computer readable storage medium according to claim 8 , wherein the operations further comprise modifying, at the first computer platform system, the risk trait of the plurality of account traits to transition the determination of the risk value for the request from the first computer platform system to the second computer platform system.

11. The non-transitory computer readable storage medium according to claim 8 , wherein the operations further comprise:

in response to determining, at the first computer platform system, that the UI trait of the plurality of account traits comprises a fifth third value indicating that the second computer platform system is to provide a third UI dashboard that includes an embedded UI from the first computer platform system, generating, at the first computer platform system, the embedded UI for inclusion in the third UI dashboard generated by the second computer platform system.

12. The non-transitory computer readable storage medium according to claim 8 , wherein the request is associated with the first system of the one or more systems, and

wherein the operations further comprise:

detecting, at the first computer platform system, a third account trait from the plurality of account traits associated with the second computer platform system;

in response to determining, at the first computer platform system, that the third account trait of the plurality of account traits comprises a first value, generating, at the first computer platform system, a first charge for the first system in response to the request and submitting the first charge to the first system; and

in response to determining, at the first computer platform system, that the third account trait of the plurality of account traits comprises a second value, generating, at the first computer platform system, a second charge for the second computer platform system in response to the request and submitting the second charge to the second computer platform system.

13. The non-transitory computer readable storage medium according to claim 8 , wherein the request is associated with the first system of the one or more systems, and w a structure of the first UI dashboard is generated based in part on one or more of the plurality of account traits of the second computer platform system.

14. The non-transitory computer readable storage medium according to claim 13 , wherein the operations further comprise:

in response to the risk value exceeding the risk threshold, transmitting, at the first computer platform system, a communication to the first UI dashboard for the first system that indicates the request has been denied.

15. A first computer platform system for processing a request associated with a second computer platform system, comprising:

a memory; and

a processor coupled with the memory configured to:

receive the request associated with the second computer platform system, wherein the second computer platform system is configured to process a plurality of requests from one or more systems;

in response to the request, determine a plurality of account traits associated with the second computer platform system, wherein respective ones of the plurality of account traits control an operation of the first computer platform system processing the request with respect to the second computer platform system;

detect a risk trait from the plurality of account traits associated with the second computer platform system;

in response to determining that the risk trait of the plurality of account traits comprises a first value indicating that the first computer platform system is to determine a risk value for the request, invoke one or more machine learning models to generate the risk value for the request, determine whether the risk value exceeds a risk threshold, and in response to determining the risk value exceeding the risk threshold, deny the request, wherein the one or more machine learning models are at least partially created using features extracted from historical data;

in response to determining that the risk trait of the plurality of account traits comprises a second value indicating that the first computer platform system is to defer determining the risk value for the request, defer a determination of the risk value for the request to the second computer platform system;

detect a user interface (UI) trait from the plurality of account traits associated with the second computer platform system;

in response to determining that the UI trait of the plurality of account traits comprises a first value indicating that the first computer platform system is to generate a first UI dashboard for a first system of the one or more systems, generate the first UI dashboard for the first system, and transmit the first UI dashboard to the first system, wherein the first UI dashboard is displayed on the first system; and

in response to determining that the UI trait of the plurality of account traits comprises a second value indicating that the second computer platform system is to provide a second UI dashboard to the first system, transmit UI data to the second computer platform system to enable the second computer platform system to generate the second UI dashboard, wherein the second computer platform system generates the second UI dashboard based on the UI data and transmits the second UI dashboard to the first system, and the second UI dashboard is displayed on the first system.

16. The first computer platform system according to claim 15 , wherein the processor is further configured to: in response to determining that the risk trait of the plurality of account traits comprises a third value:

determine the risk value for the request;

generate a communication comprising a risk recommendation corresponding to the request based on the risk value; and

transmit the risk recommendation to the second computer platform system.

17. The first computer platform system according to claim 15 , wherein the processor is further configured to modify the risk trait of the plurality of account traits to transition the determination of the risk value for the request from the first computer platform system to the second computer platform system.

18. The first computer platform system according to claim 15 , wherein the processor is further configured to:

in response to determining that the UI trait of the plurality of account traits comprises a fifth third value indicating that the second computer platform system is to provide a third UI dashboard that includes an embedded UI from the first computer platform system, generate the embedded UI for inclusion in the third UI dashboard generated by the second computer platform system.

19. The first computer platform system according to claim 15 , wherein the request is associated with the first system of the one or more systems, and

wherein the processor is further configured to:

detect a third account trait from the plurality of account traits associated with the second computer platform system;

in response to determining that the third account trait of the plurality of account traits comprises a first value, generate a first charge for the first system in response to the request and submit the first charge to the first system; and

in response to determining that the third account trait of the plurality of account traits comprises a second value, generate a second charge for the second computer platform system in response to the request and submit the second charge to the second computer platform system.

20. The first computer platform system according to claim 15 , wherein the request is associated with the first system of the one or more systems, and

a structure of the first UI dashboard is generated based in part on one or more of the plurality of account traits of the second computer platform system.