User profiling based on transaction data associated with a user
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United States of America Patent
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Dec 20, 2022
Grant Date -
Dec 2, 2021
app pub date -
May 28, 2020
filing date -
May 28, 2020
priority date (Note) -
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status (Latency Note)
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Abstract
A user profile scoring platform may analyze a transaction log of a transaction account of a user to determine, based on transactions of the transaction log, a qualification status of the user, wherein the qualification status indicates that a characteristic of the user satisfies a threshold qualification metric. The user profile scoring platform may determine, based on the qualification status, a transaction-based score associated with the user, wherein the transaction-based score is determined using a transaction log analysis model. The user profile scoring platform may obtain, based on receiving the access information, a user score associated with a user transaction history that is associated with a plurality of transaction accounts that are associated with the user and different from the transaction account. The user profile scoring platform may perform an action based on the transaction-based score and the user score.
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