GENERATING 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 utilize a machine learning model to determine a base limit value, subsequent base limit value, and user activity conditions to achieve the subsequent base limit value for a user account. Then, the disclosed systems can display a base limit progress element that indicates progress towards fulfilling the user activity conditions to achieve the subsequent base limit value. For example, the disclosed systems can display, within a graphical user interface, multiple base limit progress elements that indicate progress towards fulfilling the user activity conditions in separate time-based segments (e.g., to represent time elements within the user activity conditions).
1 . A computer-implemented method comprising:
generating an activity score for a user account utilizing an activity machine learning model comprising learned parameters specific to user activity training data from a set of user accounts assigned to a same category of account as the user account;
determining a base limit value for the user account indicating an excess utilization buffer for the user account by utilizing the activity score with a base limit value model to determine the base limit value;
identifying, from the base limit value model and based on the activity score, one or more user activity conditions to transition the user account from the base limit value to a subsequent base limit value within the base limit value model, wherein the subsequent base limit value indicates an additional excess utilization buffer achievable for the user account;
providing, for display within a graphical user interface of a computing device corresponding to the user account, a first base limit progress element that indicates progress of one or more user activities toward fulfilling the one or more user activity conditions from the base limit value model; and
upon determining partial fulfillment of the one or more user activity conditions to achieve the subsequent base limit value from the base limit value model, modifying the first base limit progress element to reflect the partial fulfillment.
2 . The computer-implemented method of claim 1 , further comprising identifying the one or more user activity conditions by utilizing the base limit value model to identify a deposit transaction activity condition mapped to the activity score as a condition to transition the user account from the base limit value to the subsequent base limit value.
3 . The computer-implemented method of claim 2 , further comprising:
identifying a deposit transaction activity and a deposit transaction amount for the user account; and
modifying the first base limit progress element to reflect the partial fulfillment of the deposit transaction activity condition utilizing the deposit transaction amount.
4 . The computer-implemented method of claim 1 , further comprising:
determining, from the base limit value model, a set of time-based segments corresponding to the one or more user activity conditions; and
providing, for display within the graphical user interface of the computing device corresponding to the user account, the first base limit progress element indicating the progress of the one or more user activities toward fulfilling the one or more user activity conditions and indicating the set of time-based segments.
5 . The computer-implemented method of claim 4 , further comprising:
identifying, from the base limit value model and based on the activity score, the one or more user activity conditions to transition the user account from the base limit value to the subsequent base limit value correspond to multiple time-based segments;
providing, for display within the graphical user interface of the computing device corresponding to the user account, the first base limit progress element indicating the progress of the one or more user activities toward fulfilling the one or more user activity conditions within a first time-based segment from the set of time-based segments; and
providing, for display within the graphical user interface of the computing device corresponding to the user account, a second base limit progress element.
6 . The computer-implemented method of claim 5 , further comprising:
determining satisfaction of the one or more user activity conditions corresponding to the first time-based segment from the set of time-based segments;
based on the determined satisfaction of the one or more user activity conditions corresponding to the first time-based segment, modifying the first base limit progress element to depict completion of the one or more user activity conditions; and
modifying the second base limit progress element to indicate additional progress of one or more additional user activities toward fulfilling the one or more user activity conditions within a second time-based segment from the set of time-based segments.
7 . The computer-implemented method of claim 1 , further comprising determining the base limit value for the user account from the base limit value model comprising a mapping between activity scores, base limit values, and user activity conditions to achieve subsequent base limit values.
8 . The computer-implemented method of claim 1 , further comprising, upon determining a satisfaction of the one or more user activity conditions corresponding to the first base limit progress element, increasing a user account value corresponding to the user account by the subsequent base limit value.
9 . The computer-implemented method of claim 1 , further comprising providing, for display within the graphical user interface of the computing device corresponding to the user account, the first base limit progress element as a graphical fillable shape tracking the progress of a deposit transaction amount toward fulfilling a deposit transaction activity condition as the one or more user activity conditions.
10 . A non-transitory computer-readable medium storing instructions that, when executed by at least one processor, cause a computing device to:
generate an activity score for a user account utilizing an activity machine learning model comprising learned parameters specific to user activity training data from a set of user accounts assigned to a same category of account as the user account;
determine a base limit value for the user account indicating an excess utilization buffer for the user account by utilizing the activity score with a base limit value model to determine the base limit value;
identify, from the base limit value model and based on the activity score, one or more user activity conditions to transition the user account from the base limit value to a subsequent base limit value within the base limit value model, wherein the subsequent base limit value indicates an additional excess utilization buffer achievable for the user account;
provide, for display within a graphical user interface of a computing device corresponding to the user account, a first base limit progress element that indicates progress of one or more user activities toward fulfilling the one or more user activity conditions from the base limit value model; and
upon determining partial fulfillment of the one or more user activity conditions to achieve the subsequent base limit value from the base limit value model, modify the first base limit progress element to reflect the partial fulfillment.
11 . The non-transitory computer-readable medium of claim 10 , further comprising instructions that, when executed by the at least one processor, cause the computing device to identify the one or more user activity conditions by utilizing the base limit value model to identify a deposit transaction activity condition mapped to the activity score as a condition to transition the user account from the base limit value to 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:
identify a deposit transaction activity and a deposit transaction amount for the user account; and
modify the first base limit progress element to reflect the partial fulfillment of the deposit transaction activity condition utilizing the deposit transaction amount.
13 . The non-transitory computer-readable medium of claim 10 , further comprising instructions that, when executed by the at least one processor, cause the computing device to:
identify, from the base limit value model and based on the activity score, the one or more user activity conditions to transition the user account from the base limit value to the subsequent base limit value correspond to multiple time-based segments;
provide, for display within the graphical user interface of the computing device corresponding to the user account, the first base limit progress element indicating the progress of the one or more user activities toward fulfilling the one or more user activity conditions within a first time-based segment; and
provide, for display within the graphical user interface of the computing device corresponding to the user account, a second base limit progress element.
14 . The non-transitory computer-readable medium of claim 13 , further comprising instructions that, when executed by the at least one processor, cause the computing device to:
determine satisfaction of the one or more user activity conditions corresponding to the first time-based segment;
based on the determined satisfaction of the one or more user activity conditions corresponding to the first time-based segment, modify the first base limit progress element to depict completion of the one or more user activity conditions; and
modify the second base limit progress element to indicate additional progress of one or more additional user activities toward fulfilling the one or more user activity conditions within a second time-based segment.
15 . The non-transitory computer-readable medium of claim 10 , further comprising instructions that, when executed by the at least one processor, cause the computing device to provide, for display within the graphical user interface of the computing device corresponding to the user account, the first base limit progress element as a graphical fillable shape tracking the progress of a deposit transaction amount toward fulfilling a deposit transaction activity condition as the one or more user activity conditions.
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:
generate an activity score for a user account utilizing an activity machine learning model comprising learned parameters specific to user activity training data from a set of user accounts assigned to a same category of account as the user account;
determine a base limit value for the user account indicating an excess utilization buffer for the user account by utilizing the activity score with a base limit value model to determine the base limit value;
identify, from the base limit value model and based on the activity score, one or more user activity conditions to transition the user account from the base limit value to a subsequent base limit value within the base limit value model, wherein the subsequent base limit value indicates an additional excess utilization buffer achievable for the user account;
provide, for display within a graphical user interface of a computing device corresponding to the user account, a first base limit progress element that indicates progress of one or more user activities toward fulfilling the one or more user activity conditions from the base limit value model; and
upon determining partial fulfillment of the one or more user activity conditions to achieve the subsequent base limit value from the base limit value model, modify the first base limit progress element to reflect the partial fulfillment.
17 . The system of claim 16 , further comprising instructions that, when executed by the at least one processor, cause the system to identify the one or more user activity conditions by utilizing the base limit value model to identify a deposit transaction activity condition mapped to the activity score as a condition to transition the user account from the base limit value to the subsequent base limit value.
18 . The system of claim 17 , further comprising instructions that, when executed by the at least one processor, cause the system to:
identify a deposit transaction activity and a deposit transaction amount for the user account; and
modify the first base limit progress element to reflect the partial fulfillment of the deposit transaction activity condition utilizing the deposit transaction amount.
19 . The system of claim 16 , further comprising instructions that, when executed by the at least one processor, cause the system to:
identify, from the base limit value model and based on the activity score, the one or more user activity conditions to transition the user account from the base limit value to the subsequent base limit value correspond to multiple time-based segments;
provide, for display within the graphical user interface of the computing device corresponding to the user account, the first base limit progress element indicating the progress of the one or more user activities toward fulfilling the one or more user activity conditions within a first time-based segment; and
provide, for display within the graphical user interface of the computing device corresponding to the user account, a second base limit progress element.
20 . The system of claim 19 , further comprising instructions that, when executed by the at least one processor, cause the system to:
determine satisfaction of the one or more user activity conditions corresponding to the first time-based segment;
based on the determined satisfaction of the one or more user activity conditions corresponding to the first time-based segment, modify the first base limit progress element to depict completion of the one or more user activity conditions; and
modify the second base limit progress element to indicate additional progress of one or more additional user activities toward fulfilling the one or more user activity conditions within a second time-based segment.