Computer-based information management system configured for automated and dynamic account analysis and methods thereof
Systems and methods of the present disclosure enable user-level activity recordation using population level activity data by receiving operator data including a record of activities performed by users on an operator system. Each entry in the record of activities is parsed to form structured activity entries representing each activity executed on the operator system. Each entry in the record of activities is matched to an individual account in an account database based on an individual identifier of each entry and an account individual identifier identifying the individual account. A statistical metric representing the activity history of the individual account is produced based on each entry matched to the individual account, and an activity history dashboard is displayed on an operator computing device to depicts the statistical metric for the individual account.
1. A system for granular user data management, comprising:
at least one processor configured to execute software instructions that cause the at least one processor to perform steps to:
receive entity data comprising a plurality of transaction entries that record data representative of transactions performed by users using at least one entity system;
determine at least one individual account of a plurality of individual accounts associated with each transaction entry of the plurality of transaction entries based on at least one individual identifier of the each transaction entry and an account individual identifier identifying the at least one individual account;
generate at least one account link linking the each transaction entry of the plurality of transaction entries with the at least one individual account associated with the each transaction entry;
attribute the each transaction entry to an entity account in an aggregate account database, the entity account comprising an aggregate entity value associated with the plurality of transaction entries in the record of transactions;
generate at least one statistical metric representing at least one transaction history of the at least one individual account based on the each entry of the plurality of entries matched to the at least one individual account; and
display a transaction history dashboard on a display, wherein the transaction history dashboard depicts the at least one statistical metric for the at least one individual account.
2. The system as recited in claim 1 , wherein the at least one processor is further configured to execute the software instruction to perform further steps to determine an aggregate account risk based at least in part on the risk of the each individual account.
3. The system as recited in claim 1 , wherein the at least one processor is further configured to execute the software instruction to perform further steps to:
determine a compliance of the each individual account based on a compliance management of the record of transactions; and
display the compliance of the each individual account in the activity dashboard on the display of the at least one entity computing device.
4. The system as recited in claim 1 , wherein the entity system is associated with at least one entity comprising a financial institution.
5. The system as recited in claim 1 , wherein the plurality of transaction entries are stored separately from aggregate account database.
6. The system as recited in claim 1 , wherein the at least one individual account comprises a ledger of the each transaction entry of the plurality of transaction entries.
7. The system as recited in claim 1 , wherein the at least one processor is further configured to:
determine that a particular transaction entry of the plurality of account entries comprises an account creation request;
automatically generate the at least one individual account associated with the each transaction entry based on the account creation request; and
automatically instruct the aggregate account database to open at least one financial account linked to the at least one individual account.
8. A method for granular user data management, comprising:
receiving, by at least one processor, entity data comprising a plurality of transaction entries that record data representative of transactions performed by users of at least one entity system;
determining, by the at least one processor, at least one individual account of a plurality of individual accounts associated with each transaction entry of the plurality of transaction entries based on at least one individual identifier of the each transaction entry and an account individual identifier identifying the at least one individual account;
generating, by the at least one processor, at least one account link linking the each transaction entry of the plurality of transaction entries with the at least one individual account associated with the each transaction entry;
attributing, by the at least one processor, the each transaction entry to an entity account in an aggregate account database, the entity account comprising an aggregate entity value associated with the plurality of transaction entries in the record of transactions;
generating, by the at least one processor, at least one statistical metric representing at least one transaction history of the at least one individual account based on the each entry of the plurality of entries matched to the at least one individual account; and
displaying, by the at least one processor, an activity dashboard on a display, wherein the activity dashboard depicts the at least one statistical metric for the at least one individual account.
9. The method as recited in claim 8 , further comprising executing, by the at least one processor, determining an aggregate account risk based at least in part on the risk of the each individual account.
10. The method as recited in claim 8 , further comprising:
determining, by the at least one processor, a compliance of the each individual account based on a compliance management of the record of transactions; and
displaying, by the at least one processor, the compliance of the each individual account in the activity dashboard on the display of the at least one entity computing device.
11. The method as recited in claim 8 , wherein the plurality of transaction entries are stored in the aggregate account database separately from the entity account.
12. The method as recited in claim 8 , wherein the plurality of transaction entries are stored separately from aggregate account database.
13. The method as recited in claim 8 , wherein the at least one individual account comprises a ledger of the each transaction entry of the plurality of transaction entries.
14. The method as recited in claim 8 , further comprising:
determining, by the at least one processor, that a particular transaction entry of the plurality of account entries comprises an account creation request;
automatically generating, by the at least one processor, the at least one individual account associated with the each transaction entry based on the account creation request; and
automatically instructing, by the at least one processor, the aggregate account database to open at least one financial account linked to the at least one individual account.
15. A non-transitory computer readable medium having software instructions stored thereon, the software instructions configured to cause at least one processor to perform steps comprising:
receiving entity data from at least one entity system, entity data comprising a plurality of transaction entries that record data representative of transactions performed by users of at least one entity system;
determining at least one individual account of a plurality of individual accounts associated with each transaction entry of the plurality of transaction entries based on at least one individual identifier of each transaction entry of the plurality of transaction entries and an account individual identifier identifying the at least one individual account;
generating at least one account link linking the each transaction entry of the plurality of transaction entries with the at least one individual account associated with the each transaction entry;
attributing the each transaction entry to an entity account in an aggregate account database, the entity account comprising an aggregate entity value associated with the plurality of transaction entries in the record of transactions;
generating at least one statistical metric representing at least one transaction history of the at least one individual account based on the each entry of the plurality of entries matched to the at least one individual account; and
displaying an activity dashboard on a display, wherein the activity dashboard depicts the at least one statistical metric for the at least one individual account.
16. The non-transitory computer readable medium as recited in claim 15 , wherein the software instructions are further configured to cause the at least one processor to perform steps comprising perform further steps to determine an aggregate account risk based at least in part on the risk of the each individual account.
17. The non-transitory computer readable medium as recited in claim 15 , wherein the software instructions are further configured to cause the at least one processor to perform steps comprising:
determining a compliance of the each individual account based on a compliance management of the record of transactions; and
displaying the compliance of the each individual account in the activity dashboard on the display of the at least one entity computing device.
18. The non-transitory computer readable medium as recited in claim 15 , wherein the plurality of transaction entries are stored separately from at least one of:
the aggregate account database, or the entity account in the aggregate account database.
19. The non-transitory computer readable medium as recited in claim 15 , wherein the at least one individual account comprises a ledger of the each transaction entry of the plurality of transaction entries.
20. The non-transitory computer readable medium as recited in claim 15 , wherein the software instructions are further configured to cause the at least one processor to perform steps comprising:
determine that a particular transaction entry of the plurality of account entries comprises an account creation request;
automatically generate the at least one individual account associated with the each transaction entry based on the account creation request; and
automatically instruct the aggregate account database to open at least one financial account linked to the at least one individual account.