Method and apparatus for automated inter-account interactions

Abstract

A system for automated account interaction has access to information about asset accounts, and receives transaction indications indicating transactions made by those accounts. The system automatically selects a first transaction indication for a first transaction made using a first asset account, for instance based on location, time, asset quantity, randomization, and/or a trained machine learning model. The system automatically selects a second asset account associated with a second user, for instance based on the second user's location, account balance, randomization, and/or a trained machine learning model. The system automatically transfers an asset quantity from the second asset account to the first asset account, and communicates an indicator indicating transfer completion. The asset quantity can be the quantity corresponding to the first transaction, or a portion thereof. The confirmation indicator can be sent to device(s) associated with either or both account(s) and/or can be published to a feed, graph, and/or index.

What is claimed is: 
     
         1 . A method of automated account interaction, the method comprising:
 identifying, based on asset account information accessed by one or more transaction service servers, a plurality of asset accounts associated with a plurality of users;   receiving a plurality of asset transaction indications indicative of a plurality of asset transactions, wherein each of the plurality of asset transaction indications indicates that at least one of the plurality of asset accounts has performed one of the plurality of asset transactions;   automatically selecting a first asset transaction indication from the plurality of asset transaction indications based on a first output of one or more trained machine learning (ML) models in response to input of the plurality of asset transaction indications into the one or more trained ML models, the first asset transaction indication indicating that a first asset account of the plurality of asset accounts has performed a first asset transaction of the plurality of asset transactions, the first asset account associated with a first user of the plurality of users;   automatically selecting a second asset account from the plurality of asset accounts based on a second output of the one or more trained ML models in response to input of information about the plurality of asset accounts into the one or more trained ML models, the second asset account associated with a second user of the plurality of users, the second asset account having at least a first quantity of an asset;   automatically transferring the first quantity of the asset from the second asset account to the first asset account in response to automatically selecting the first asset transaction indication and automatically selecting the second asset account; and   automatically communicating a confirmation indicator, the confirmation indicator indicating that the first quantity of the asset has been transferred from the second asset account to the first asset account.   
     
     
         2 . The method of  claim 1 , wherein the first asset account performing the first asset transaction includes the first asset account transferring a second quantity of the asset. 
     
     
         3 . The method of  claim 2 , wherein the first quantity of the asset is equal to the second quantity of the asset. 
     
     
         4 . The method of  claim 2 , wherein the first quantity of the asset is less than the second quantity of the asset. 
     
     
         5 . The method of  claim 2 , wherein automatically selecting the first asset transaction indication from the plurality of asset transaction indications is based on the first asset transaction indication indicating that the second quantity of the asset is less than or equal to a maximum eligibility threshold. 
     
     
         6 . The method of  claim 2 , wherein automatically selecting the first asset transaction indication from the plurality of asset transaction indications is based on the first asset transaction indication indicating that the second quantity of the asset is greater than or equal to a minimum eligibility threshold. 
     
     
         7 . The method of  claim 1 , wherein automatically selecting the first asset transaction indication from the plurality of asset transaction indications is based on a random selection from among the plurality of asset transaction indications. 
     
     
         8 . The method of  claim 1 , wherein the first asset transaction pays for a commodity of a particular category, wherein automatically selecting the first asset transaction indication from the plurality of asset transaction indications is based on the particular category of the commodity, wherein the commodity is at least one of a good and a service. 
     
     
         9 . The method of  claim 1 , wherein the first asset account performs the first asset transaction within a particular time period, wherein automatically selecting the first asset transaction indication from the plurality of asset transaction indications is based on the particular time period. 
     
     
         10 . The method of  claim 1 , wherein automatically selecting the first asset transaction indication from the plurality of asset transaction indications is based on a second quantity of the asset having been previously transferred from an account associated with the first user to a third asset account of the plurality of asset accounts associated with a third user of the plurality of users, wherein the account associated with the first user is one of the first asset account and a fourth asset account of the plurality of asset accounts. 
     
     
         11 . The method of  claim 1 , further comprising:
 receiving a location of the first user from a first user device corresponding to the first user;   receiving a location of the second user from a second user device corresponding to the second user; and   identifying that the location of the first user and the location of the second user are within a shared region.   
     
     
         12 . The method of  claim 11 , wherein automatically selecting the first asset transaction indication from the plurality of asset transaction indications is based on the location of the first user and the location of the second user being within the shared region. 
     
     
         13 . The method of  claim 11 , wherein automatically selecting the second asset account from the plurality of asset accounts is based on the location of the first user and the location of the second user being within the shared region. 
     
     
         14 . The method of  claim 1 , wherein automatically selecting the second asset account from the plurality of asset accounts is based on a random selection from among the plurality of asset accounts. 
     
     
         15 . The method of  claim 1 , wherein automatically selecting the second asset account from the plurality of asset accounts is based on the second asset account having at least the first quantity of the asset. 
     
     
         16 . The method of  claim 1 , wherein automatically selecting the second asset account from the plurality of asset accounts is based on identifying that an account associated with the second user has performed a second asset transaction of the plurality of asset transactions, wherein the account associated with the second user is one of the second asset account or a third asset account of the plurality of asset accounts. 
     
     
         17 . The method of  claim 1 , further comprising:
 based on the first asset transaction indication and the second asset account being selected, using the first asset transaction and the second asset account to update the one or more trained ML models for use in identifying one or more additional asset transaction indications and one or more additional asset accounts for one or more additional transfers.   
     
     
         18 . The method of  claim 1 , further comprising:
 automatically identifying, using the one or more trained ML models, the first quantity of the asset to be at least a subset of an amount of the asset transferred during the first asset transaction.   
     
     
         19 . The method of  claim 1 , further comprising:
 generating a message identifying at least one of the first user and the second user, wherein the confirmation indicator includes the message.   
     
     
         20 . The method of  claim 1 , wherein the confirmation indicator refers to at least one of the first user and the second user using one or more anonymized identifiers. 
     
     
         21 . The method of  claim 1 , wherein communicating the confirmation indicator includes sending the confirmation indicator to at least one of a first user device corresponding to the first user and a second user device corresponding to the second user. 
     
     
         22 . The method of  claim 1 , wherein communicating the confirmation indicator includes publishing the confirmation indicator on a feed that is viewable by at least a subset of a plurality of user devices corresponding to the plurality of users. 
     
     
         23 . The method of  claim 22 , wherein publishing the confirmation indicator on the feed includes modifying a markup file corresponding to the feed to add the confirmation indicator, further comprising:
 serving the markup file to a viewer device of the plurality of user devices, wherein the feed is viewable by the viewer device upon transfer of the markup file to the viewer device.   
     
     
         24 . The method of  claim 1 , wherein transferring the first quantity of the asset from the second asset account to the first asset account occurs within a first time period, further comprising:
 calculating, based on a sum of the first quantity of the asset and a quantity of the asset corresponding to a plurality of other transfers of the asset occurring within the first time period, a first index representing a total quantity of the asset transferred within the first time period, wherein the confirmation indicator includes the first index.   
     
     
         25 . The method of  claim 24 , further comprising:
 generating a graph, wherein a first point on the graph corresponds to the first time period and identifies the first index, wherein the graph includes one or more additional points in addition to the first point, wherein each additional point of the one or more additional points corresponds to an additional time period other than the first time period and identifies an additional index representing a total quantity of the asset transferred within the additional time period, wherein communicating the confirmation indicator includes communicating the graph.   
     
     
         26 . The method of  claim 1 , wherein the second asset account corresponds to a financial institution. 
     
     
         27 . The method of  claim 1 , further comprising:
 initiating a line of communication between a first user device corresponding to the first user and a second user device corresponding to the second user in response to transferring the first quantity of the asset from the second asset account to the first asset account.   
     
     
         28 . The method of  claim 27 , wherein the line of communication includes transfer of one or more messages between the first user device and the second user device, the one or more messages including at least one of a string of text, an alphanumeric character, an image, a video, an audio clip, a motion graphic, an animation, an animated image, an icon, an emoji, and an emoticon. 
     
     
         29 . The method of  claim 28 , wherein the one or more messages are prepared before automatically selecting a first asset transaction indication and before automatically selecting the second asset account. 
     
     
         30 . A system for automated account interaction, comprising:
 a storage configured to store instructions; and   a processor that executes the instructions, wherein execution of the instructions causes the processor to:
 identify, based on asset account information accessed by one or more transaction service servers, a plurality of asset accounts associated with a plurality of users, 
 receive a plurality of asset transaction indications indicative of a plurality of asset transactions, wherein each asset transaction indication of the plurality of asset transaction indications indicates that at least one of the plurality of asset accounts has performed one of the plurality of asset transactions, 
 automatically select a first asset transaction indication from the plurality of asset transaction indications based on a first output of one or more trained machine learning (ML) models in response to input of the plurality of asset transaction indications into the one or more trained ML models, the first asset transaction indication indicating that a first asset account of the plurality of asset accounts has performed a first asset transaction of the plurality of asset transactions, the first asset account associated with a first user of the plurality of users, 
 automatically select a second asset account from the plurality of asset accounts based on a second output of the one or more trained ML models in response to input of information about the plurality of asset accounts into the one or more trained ML models, the second asset account associated with a second user of the plurality of users, the second asset account having at least a first quantity of the asset, 
 automatically transfer the first quantity of the asset from the second asset account to the first asset account in response to automatically selecting the first asset transaction indication and automatically selecting the second asset account, and 
 automatically communicate a confirmation indicator, the confirmation indicator indicating that the first quantity of the asset has been transferred from the second asset account to the first asset account.