Automated allocation of investment deposits

Abstract

Techniques for allocating investment deposits are described. A user can request that investment deposits to an existing account be allocated between investment accounts associated with the user's investment portfolio. The investment accounts can be of different asset classes (e.g., cryptocurrency, securities, commercial paper, fiat currency, non-fiat currency, etc.). The particular allocation amounts and/or percentages can be based on a machine-trained model.

1 . A method comprising:
 receiving, by one or more servers of a service provider and from a user device of a user, a request of the user to allocate at least one future investment deposit among a plurality of accounts associated with an investment portfolio of the user, wherein an individual account of the plurality of accounts corresponds to an asset class of one or more asset classes;   based at least in part on the request and one or more user preferences of the user, determining, by the one or more servers, respective portions of the at least one future investment deposit to allocate to the individual accounts of the plurality of accounts; and   responsive at least in part to receiving the at least one future investment deposit, facilitating, by the one or more servers, deposit of the respective portions into the corresponding individual accounts.   
     
     
         2 . The method as  claim 1  recites, wherein an asset class of the one or more asset classes comprises at least one of cryptocurrency, securities, commercial paper, fiat currency, or non-fiat currency. 
     
     
         3 . The method as  claim 1  recites, further comprising:
 causing presentation, by the one or more servers, of a user interface via a display of the user device, 
 wherein the request of the user to allocate the at least one future investment deposit is associated with an input to the user interface. 
 
     
     
         4 . The method as  claim 1  recites, further comprising:
 causing presentation, by the one or more servers, of a user interface via a display of the user device; and 
 receiving the one or more user preferences of the user via input to the user interface. 
 
     
     
         5 . The method as  claim 4  recites, wherein the input comprises designation of a percentage or dollar amount to be allocated to the individual accounts of the plurality of accounts, wherein the designation is made via interaction with one selectable controls comprising at least one of a slider, a freeform text box, or a drop-down mechanism. 
     
     
         6 . The method as  claim 1  recites, wherein determining the respective portions is further based at least in part on a recommendation of the service provider, wherein the recommendation is based at least in part on output of a machine-trained model. 
     
     
         7 . The method as  claim 6  recites, further comprising training, by the one or more servers, the machine-trained model using historical transaction data associated with at least one of the user or other users receiving one or more services of the service provider. 
     
     
         8 . A system comprising:
 one or more processors; and   one or more non-transitory computer-readable media storing instructions that, when executed by the one or more processors, cause the system to perform acts comprising:
 receiving, by one or more servers of a service provider and from a user device of a user, a request to allocate at least one deposit among a plurality of accounts associated with the user, wherein an individual account of the plurality of accounts corresponds to an asset class of one or more asset classes; 
 based at least in part on the request and one or more user preferences of the user, determining, by the one or more servers, respective portions of the at least one deposit to allocate to the individual accounts of the plurality of accounts; and 
 facilitating, by the one or more servers, deposit of the respective portions into the corresponding individual accounts. 
   
     
     
         9 . The system as  claim 8  recites, wherein the plurality of accounts comprise a plurality of investment accounts. 
     
     
         10 . The system as  claim 8  recites, wherein an asset class of the one or more asset classes comprises at least one of cryptocurrency, securities, commercial paper, fiat currency, or non-fiat currency. 
     
     
         11 . The system as  claim 8  recites, the acts further comprising:
 causing presentation, by the one or more servers, of a user interface via a display of the user device; and 
 receiving, by the one or more servers, the one or more user preferences via input to the user interface. 
 
     
     
         12 . The system as  claim 11  recites, wherein the input to the user interface comprises designation of at least one of a percentage of the deposit or portion of the deposit for the individual accounts. 
     
     
         13 . The system as  claim 8  recites, wherein determining the respective portions is further based at least in part on a recommendation of the service provider, wherein the recommendation is based at least in part on output of a machine-trained model. 
     
     
         14 . The system as  claim 13  recites, further comprising training, by the one or more servers, the machine-trained model using historical transaction data associated with at least one of the user or other users receiving one or more services of the service provider. 
     
     
         15 . The system as  claim 8  recites, wherein the request to allocate at least one deposit among the plurality of accounts comprises a request to allocate a plurality of recurring future deposits. 
     
     
         16 . One or more non-transitory computer-readable media storing instructions that, when executed by one or more processors, cause the one or more non-transitory computer-readable media to perform acts comprising:
 receiving, by one or more servers of a service provider, a request to allocate at least one investment deposit among a plurality of accounts associated with a user, wherein an individual account of the plurality of accounts corresponds to an asset class of one or more asset classes;   based at least in part on the request and a machine-trained model, determining, by the one or more servers, respective portions of the at least one investment deposit to allocate to individual accounts of the plurality of accounts; and   responsive at least in part to receiving the at least one investment deposit, facilitating, by the one or more servers, deposit of the respective portions into the corresponding individual accounts.   
     
     
         17 . The one or more non-transitory computer-readable media as  claim 16  recites, wherein an asset class of the one or more asset classes comprises at least one of cryptocurrency, securities, commercial paper, fiat currency, or non-fiat currency. 
     
     
         18 . The one or more non-transitory computer-readable media as  claim 16  recites, wherein each account of the plurality of accounts corresponds to a different asset class. 
     
     
         19 . The one or more non-transitory computer-readable media as  claim 16  recites, the acts further comprising:
 training the machine-trained model using investment data associated other users receiving one or more services of the service provider. 
 
     
     
         20 . The one or more non-transitory computer-readable media as  claim 16  recites, wherein the respective portions are further based at least in part on one or more preferences of the user stored in a database of the service provider.