Systems and methods for customized navigation menus

1. A system for generating navigation menus, comprising:

one or more memory units storing instructions; and

one or more processors that execute the instructions to perform operations comprising:

receiving account data associated with a plurality of accounts, the account data comprising at least one selected from the group of account status data, account event data, and transaction data;

receiving navigation-menu data comprising Interactive Voice Response data, the navigation-menu data being associated with the accounts and comprising data specifying a configuration of one or more prompts and prompt data, wherein the prompt data includes at least one selected from the group of audio data, text data, numeric data, image data, video data, and Interactive Voice Response data;

training a model based on the account data and the navigation-menu data;

receiving request data associated with a user, the request data comprising a call signal;

receiving user-account data associated with the user;

generating, using the model, a navigation menu based on the request data and the user-account data, wherein generating the navigation menu comprises setting the configuration of the navigation menu based on likelihoods associated with prompts of the navigation menu;

providing the navigation menu, wherein providing comprises routing the call signal prior to providing the prompts of the navigation menu;

receiving user input selecting a prompt of the navigation menu;

generating, using the model, an updated navigation menu based on the selected prompt; and

providing the updated navigation menu.

2. The system of claim 1 , wherein:

the operations further comprise receiving activity data associated with the plurality of accounts; and

training the model is based on the activity data.

3. The system of claim 2 , wherein:

the operations further comprise receiving user-activity data associated with the user; and

generating the navigation menu is based on the user-activity data.

4. The system of claim 3 , wherein receiving user-activity data comprises receiving user-activity data from at least one of a user device or a third-party system.

5. The system of claim 2 , wherein receiving activity data comprises receiving activity data from a third-party system.

6. The system of claim 1 , wherein the model comprises at least one of a neural network model, a recurrent neural network (RNN) model, a deep learning model, a random forest model, a convolutional neural network (CNN) model, or a support vector machine model.

7. The system of claim 1 , wherein:

training the model comprises training the model to estimate the likelihood a prompt will be selected; and

generating the navigation menu comprises:

estimating respective likelihoods a plurality of prompts will be selected; and

setting a configuration of the navigation menu based on the respective likelihoods.

8. The system of claim 1 , wherein:

the operations further comprise generating the model; and

training the model is based on the generated model.

9. The system of claim 1 , wherein providing the navigation menu comprises:

transmitting, to a user device, audio data based on the navigation menu.

10. The system of claim 1 , wherein:

the request is received from a device associated with a user account; and

generating the navigation menu is based on an identification of the device.

11. The system of claim 1 , the operations further comprising:

receiving user input based on the navigation menu; and

updating the model based on the user input.

12. The system of claim 1 , the operations further comprising:

storing the model in a data storage.

13. The system of claim 1 , wherein the plurality of accounts comprise financial accounts.

14. The system of claim 1 , wherein the plurality of accounts comprise messaging accounts.

15. The system of claim 1 , wherein receiving the request comprises receiving the request at a cloud service.

16. A method for generating navigation menus comprising, the following operations performed by one or more servers:

receiving account data associated with a plurality of accounts, the account data comprising at least one selected from the group of account status data, account event data, and transaction data;

receiving navigation-menu data comprising Interactive Voice Response data, the navigation-menu data being associated with the accounts and comprising data specifying a configuration of one or more prompts and prompt data, wherein the prompt data includes at least one selected from the group of audio data, text data, numeric data, image data, video data, and Interactive Voice Response data;

training a model based on the account data and the navigation-menu data;

receiving request data associated with a user, the request data comprising a call signal;

receiving user-account data associated with the user;

generating, using the model, a navigation menu based on the request data and the user-account data, wherein generating the navigation menu comprises setting the configuration of the navigation menu based on likelihoods associated with prompts of the navigation menu;

providing the navigation menu, wherein providing comprises routing the call signal prior to providing the prompts of the navigation menu;

receiving user input selecting a prompt of the navigation menu;

generating, using the model, an updated navigation menu based on the selected prompt; and

providing the updated navigation menu.

17. A system for generating navigation menus comprising:

one or more memory units storing instructions; and

one or more processors that execute the instructions to perform operations comprising:

receiving account data associated with a plurality of accounts, the account data comprising at least one selected from the group of account status data, account event data, and transaction data;

receiving request data associated with the accounts;

receiving navigation-menu data comprising Interactive Voice Response data, the navigation-menu data being associated with the accounts and comprising data specifying a configuration of one or more prompts and prompt data, wherein the prompt data includes at least one selected from the group of audio data, text data, numeric data, image data, video data, and Interactive Voice Response data;

receiving activity data associated with the plurality of accounts; and

training a model based on the account data, the request data, the navigation-menu data, and the activity data;

receiving user-request data associated with a user and a user device, the request data comprising a call signal;

receiving user-account data associated with the user;

receiving user-activity data associated with the user, the user-activity data comprising at least one of user-location data or user-behavior data;

estimating, using the model, respective likelihoods a plurality of prompts will be selected;

generating a navigation menu based on the user-request data, the user-account data, the user-activity data, and the respective likelihoods, wherein generating the navigation menu comprises setting the configuration of the navigation menu based on likelihoods associated with prompts of the navigation menu;

routing a call signal prior to providing the prompts of the navigation menu;

transmitting audio data based on the navigation menu to the user device;

receiving user input selecting a prompt of the navigation menu;

generating, using the model, an updated navigation menu based on the selected prompt; and

transmitting audio data based on the updated navigation menu.

18. The system of claim 1 , wherein generating the navigation menu is based on a navigation-menu rule comprising a logical expression specifying an element of a configuration of a navigation menu when a condition satisfied.

19. The system of claim 18 , wherein the condition comprises determining that the request data is associated with at least one selected from the group of a phone number, a location, and an Internet Protocol address.

20. The system of claim 18 , wherein:

the account data comprises account status data indicative of whether an account associated with the user is past due, and

the condition comprises evaluating the account data status to determine whether the account associated with the user is past due.