SYSTEMS AND METHODS FOR DATA AGGREGATION FOR TRANSACTION SETTLEMENT USING MACHINE LEARNING

1 - 20 . (canceled)

21 . A method comprising:

receiving, via one or more processors over a communication network, credential information associated with an account of a registered user;

authenticating, by the one or more processors utilizing an authentication module, the registered user based, at least in part, on verification of the credential information;

integrating, by the one or more processors utilizing a supervised machine learning module, the account associated with the registered user, an account associated with a service provider, and a settlement account, wherein the integration is based on consents from the registered user and the service provider;

synchronizing, in real-time, by the one or more processors utilizing the supervised machine learning module, transaction information for a plurality of transactions, outstanding amount, and/or transmitted payments between the account associated with the registered user, the account associated with the service provider, and the settlement account; and

generating, by the one or more processors utilizing a user interface module, a presentation of user interface elements in one or more devices associated with the registered users and the service provider, wherein the user interface elements indicate the synchronized transaction information, outstanding amount, and/or transmitted payments.

22 . The method of claim 21 , wherein:

aggregating the outstanding amount associated with the plurality of transactions during a first preset time period;

transmitting payment for the aggregated outstanding amount from the settlement account to the account associated with the service provider to the plurality of transactions during the first preset time period and/or a pre-determined total outstanding amount threshold; and

aggregating the transmitted payment during a second preset time period.

23 . The method according to claim 21 , wherein the credential information include predefined values, a preset username and password, international mobile equipment identity (IMEI), an electronic serial number, a mobile equipment identity (MEID), and/or one or more identifiers unique to a device of the registered user.

24 . The method according to claim 21 , further comprising:

processing historical transaction information associated with the registered user to determine a probability of expenses in a next instance of time, wherein the historical transaction information includes past payment transactions;

determining the expenses for the registered user in the next instance of time exceeds account balance; and

determining one or more preset rules for the registered user based, at least in part, on the determination that the expenses in the next instance of time exceeds the account balance.

25 . The method according to claim 22 , further comprising:

processing historical transaction information to determine a credit ranking and a credit score for the registered user, wherein the historical transaction information includes credit history information, income information, debt-to-income ratio information, or a combination thereof; and

determining the first preset time period, the second preset time period, and/or the pre-determined total outstanding amount threshold based on the credit ranking and the credit score.

26 . The method according to claim 22 , further comprising:

processing the account of the registered user to determine an account balance is below a pre-determined minimum balance threshold;

determining the aggregated outstanding amount exceeds the account balance; and

determining to transmit payments for the aggregated outstanding amount during the second preset time period based on historical transaction information of the registered user, wherein the historical transaction information includes a predicted income of the registered user, and wherein the predicted income is sufficient to settle the aggregated transmitted payments.

27 . The method according to claim 21 , further comprising:

determining a failure of at least one transaction from the plurality of transactions of the registered user;

processing the at least one transaction to determine a reason for the failure; and

generating a user interface, wherein the user interface includes an alert on the reason for the failure of the at least one transaction.

28 . The method according to claim 23 , further comprising:

processing historical transaction information associated with the registered user, wherein the historical transaction information includes past payment transactions, shopping basket contents, or a combination thereof; and

determining a benefit program for the registered user based, at least in part, on the processing, wherein the benefit program includes a loyalty program, a coupon redemption program, and/or a lottery program.

29 . The method according to claim 21 , wherein the account associated with the registered user and the account associated with the service provider are associated with a same financial institution.

30 . An apparatus for a payment-related service comprising:

at least one processor; and

at least one memory including computer program code for one or more programs,

the at least one memory and the computer program code configured to, with the at least one processor, cause the apparatus to perform operations comprising:

receive credential information associated with an account of a registered user;

authenticate the registered user based, at least in part, on verification of the credential information;

integrate the account associated with the registered user, an account associated with a service provider, and a settlement account, wherein the integration is based on consents from the registered user and the service provider;

synchronize, in real-time, transaction information for a plurality of transactions, outstanding amount, and/or transmitted payments between the account associated with the registered user, the account associated with the service provider, and the settlement account; and

generate a presentation of user interface elements in one or more devices associated with the registered users and the service provider, wherein the user interface elements indicate the synchronized transaction information, outstanding amount, and/or transmitted payments.

31 . The apparatus of claim 30 , the operations further comprising:

aggregate the outstanding amount associated with the plurality of transactions during a first preset time period;

transmit payment for the aggregated outstanding amount from the settlement account to the account associated with the service provider to the plurality of transactions during the first preset time period and/or a pre-determined total outstanding amount threshold; and

aggregate the transmitted payment during a second preset time period.

32 . The apparatus of claim 30 , wherein the credential information include predefined values, a preset username and password, international mobile equipment identity (IMEI), an electronic serial number, a mobile equipment identity (MEID), and/or one or more identifiers unique to a device of the registered user.

33 . The apparatus of claim 30 , the operations further comprising:

process historical transaction information associated with the registered user to determine a probability of expenses in a next instance of time, wherein the historical transaction information includes past payment transactions;

determine the expenses for the registered user in the next instance of time exceeds account balance; and

determine one or more preset rules for the registered user based, at least in part, on the determination that the expenses in the next instance of time exceeds the account balance.

34 . The apparatus of claim 31 , the operations further comprising:

process historical transaction information to determine a credit ranking and a credit score for the registered user, wherein the historical transaction information includes credit history information, income information, debt-to-income ratio information, or a combination thereof; and

determine the first preset time period, the second preset time period, and/or the pre-determined total outstanding amount threshold based on the credit ranking and the credit score.

35 . The apparatus of claim 31 , the operations further comprising:

process the account of the registered user to determine an account balance is below a pre-determined minimum balance threshold;

determine the aggregated outstanding amount exceeds the account balance; and

determine to transmit payments for the aggregated outstanding amount during the second preset time period based on historical transaction information of the registered user, wherein the historical transaction information includes a predicted income of the registered user, and wherein the predicted income is sufficient to settle the aggregated transmitted payments.

36 . The apparatus of claim 30 , the operations further comprising:

determine a failure of at least one transaction from the plurality of transactions of the registered user;

process the at least one transaction to determine a reason for the failure; and

generate a user interface, wherein the user interface includes an alert on the reason for the failure of the at least one transaction.

37 . The apparatus of claim 32 , the operations further comprising:

process historical transaction information associated with the registered user, wherein the historical transaction information includes past payment transactions, shopping basket contents, or a combination thereof; and

determine a benefit program for the registered user based, at least in part, on the processing, wherein the benefit program includes a loyalty program, a coupon redemption program, a lottery program, or a combination thereof.

38 . The apparatus of claim 30 , wherein the account associated with the registered user and the account associated with the service provider are associated with the same financial institution.

39 . A non-transitory computer-readable storage medium carrying one or more sequences of one or more instructions for a payment-related service which, when executed by one or more processors, cause an apparatus to perform operations comprising:

receiving, via one or more processors over a communication network, credential information associated with an account of a registered user;

authenticating, by the one or more processors utilizing an authentication module, the registered user based, at least in part, on verification of the credential information;

integrating, by the one or more processors utilizing a supervised machine learning module, the account associated with the registered user, an account associated with a service provider, and a settlement account, wherein the integration is based on consents from the registered user and the service provider;

synchronizing, in real-time, by the one or more processors utilizing the supervised machine learning module, transaction information for a plurality of transactions, outstanding amount, and/or transmitted payments between the account associated with the registered user, the account associated with the service provider, and the settlement account; and

generating, by the one or more processors utilizing a user interface module, a presentation of user interface elements in one or more devices associated with the registered users and the service provider, wherein the user interface elements indicate the synchronized transaction information, outstanding amount, and/or transmitted payments.

40 . The non-transitory computer-readable storage medium of claim 39 , the operations further comprising:

aggregating the outstanding amount associated with the plurality of transactions during a first preset time period;

transmitting payment for the aggregated outstanding amount from the settlement account to the account associated with the service provider to the plurality of transactions during the first preset time period and/or a pre-determined total outstanding amount threshold; and

aggregating the transmitted payment during a second preset time period.