Intelligent merchant onboarding

Abstract

A service provider that provides a plurality of merchant services can obtain first merchant information associated with a plurality of merchants registered with the service provider. The service provider can obtain intent data associated with the merchants indicating merchant service(s) that individual merchants of the plurality of merchants use or indicated interest in using during onboarding with the service provider. A machine learning model can be trained using the first merchant information and the intent data. The service provider can receive an indication that a potential merchant has initiated an onboarding process with the service provider. The service provider can determine second merchant information associated with the potential merchant and, based at least in part on the second merchant information and the machine learning model, can determine merchant service(s) of the service provider that the potential merchant is predicted to intend to use.

What is claimed is: 
     
         1 . A computer-implemented method comprising:
 obtaining first merchant information associated with a plurality of merchants registered with a service provider, wherein the service provider provides a plurality of merchant services;   obtaining intent data associated with the plurality of merchants, wherein the intent data for an individual merchant of the plurality of merchants comprises an indication of one or more merchant services of the plurality of merchant services that the individual merchant uses or indicated interest in using during onboarding with the service provider;   training, using training data and via a machine learning mechanism, a machine learning model, wherein the training data comprises the first merchant information and the intent data, wherein the machine learning model outputs a prediction of one or more merchant services a potential merchant intends to use;   receiving an indication that the potential merchant has initiated an onboarding process with the service provider;   determining second merchant information associated with the potential merchant; and   determining, based at least in part on the second merchant information associated with the potential merchant and the machine learning model, one or more merchant services of the service provider that the potential merchant is predicted to intend to use.   
     
     
         2 . The method of  claim 1 , wherein the plurality of merchant services comprises at least one of payroll services, inventory management services, employee management services, financing services, or appointment services. 
     
     
         3 . The method of  claim 1 , further comprising:
 receiving updated training data indicating at least one of (i) updated first merchant information, (ii) updated intent data, or (iii) accuracy of predictions by the machine learning model; and   iteratively updating the machine learning model based at least in part on the updated training data.   
     
     
         4 . The method of  claim 1 , wherein the training data comprises a subset of the first merchant information and a subset of intent data corresponding to a cohort of users that share one or more characteristics with the potential merchant. 
     
     
         5 . The method of  claim 1 , further comprising determining confidence values associated with at least one of the one or more merchant services of the service provider that the potential merchant is predicted to intend to use. 
     
     
         6 . The method of  claim 1 , wherein the machine learning model comprises a first machine learning model, the training data comprises first training data, the machine learning mechanism comprises a first machine learning mechanism, the machine learning model comprises a first machine learning model, the method further comprising:
 training, using second training data and via the first machine learning mechanism or a second machine learning mechanism, a second machine learning model, wherein the training data comprises the first merchant information and the intent data, wherein the machine learning model outputs a user experience that encourages completion of the onboarding process.   
     
     
         7 . The method of  claim 1 , wherein the indication that the potential merchant has initiated the onboarding process comprises identification data identifying the potential merchant, and wherein the method further comprises, based at least in part on the identification data, executing a search to obtain, from third-party information sources, the first merchant information, wherein the third-party information sources include at least one of a website of the potential merchant, a social media platform, a reservation management platform, a menu management platform, or an ecommerce platform. 
     
     
         8 . The method of  claim 1 , further comprising:
 determining that the potential merchant completed the onboarding process;   determining, based at least in part on at least one of the first merchant information or the second merchant information, a recommendation associated with at least one merchant service of the plurality of merchant services; and   sending the recommendation to a computing device of the potential merchant.   
     
     
         9 . The method of  claim 1 , wherein the indication is received from a computing device of the potential merchant, and wherein determining the second merchant information associated with the potential merchant is based at least in part on accessing at least one of a location of the computing device or hardware associated with the computing device. 
     
     
         10 . The method of  claim 1 , wherein the second merchant information associated with the potential merchant comprises at least one of a merchant category associated with the potential merchant, one or more items offered by the potential merchant, or a location of the potential merchant. 
     
     
         11 . A system comprising:
 one or more processors; and   one or more non-transitory computer-readable media storing instructions executable by one or more processors, wherein the instructions cause the one or more processors to perform acts comprising:
 obtaining first merchant information associated with a plurality of merchants registered with a service provider, wherein the service provider provides a plurality of merchant services; 
 obtaining intent data associated with the plurality of merchants, wherein the intent data for an individual merchant of the plurality of merchants comprises an indication of one or more merchant services of the plurality of merchant services that the individual merchant uses or indicated interest in using during onboarding with the service provider; 
 training, using training data and via a machine learning mechanism, a machine learning model, wherein the training data comprises the first merchant information and the intent data, wherein the machine learning model outputs a prediction of one or more merchant services a potential merchant intends to use; 
 receiving an indication that the potential merchant has initiated an onboarding process with the service provider; 
 determining second merchant information associated with the potential merchant; and 
 determining, based at least in part on the second merchant information associated with the potential merchant and the machine learning model, one or more merchant services of the service provider that the potential merchant is predicted to intend to use. 
   
     
     
         12 . The system of  claim 11 , wherein the plurality of merchant services comprises at least one of payroll services, inventor management services, employee management services, financing services, or appointment services. 
     
     
         13 . The system of  claim 11 , the acts further comprising:
 receiving updated training data indicating at least one of (i) updated first merchant information, (ii) updated intent data, or (iii) accuracy of predictions by the machine learning model; and   iteratively updating the machine learning model based at least in part on the updated training data.   
     
     
         14 . The system of  claim 11 , the acts further comprising:
 determining confidence values associated with at least one of the one or more merchant services of the service provider that the potential merchant is predicted to intend to use.   
     
     
         15 . The system of  claim 11 , wherein the machine learning model comprises a first machine learning model, the training data comprises first training data, the machine learning mechanism comprises a first machine learning mechanism, the machine learning model comprises a first machine learning model, the acts further comprising:
 training, using second training data and via the first machine learning mechanism or a second machine learning mechanism, a second machine learning model, wherein the training data comprises the first merchant information and the intent data, wherein the machine learning model outputs a user experience that encourages completion of the onboarding process.   
     
     
         16 . The system of  claim 11 , the acts further comprising:
 determining that the potential merchant completed the onboarding process;   determining, based at least in part on at least one of the first merchant information or the second merchant information, a recommendation associated with at least one merchant service of the plurality of merchant services; and   sending the recommendation to a computing device of the potential merchant.   
     
     
         17 . One or more non-transitory computer-readable media that, when executed by one or more processors, cause the one or more processors to perform acts comprising:
 obtaining first merchant information associated with a plurality of merchants registered with a service provider, wherein the service provider provides a plurality of merchant services;   obtaining intent data associated with the plurality of merchants, wherein the intent data for an individual merchant of the plurality of merchants comprises an indication of one or more merchant services of the plurality of merchant services that the individual merchant uses or indicated interest in using during onboarding with the service provider;   training, using training data and via a machine learning mechanism, a machine learning model, wherein the training data comprises the first merchant information and the intent data, wherein the machine learning model outputs a prediction of one or more merchant services a potential merchant intends to use;   receiving an indication that the potential merchant has initiated an onboarding process with the service provider;   determining second merchant information associated with the potential merchant; and   determining, based at least in part on the second merchant information associated with the potential merchant and the machine learning model, one or more merchant services of the service provider that the potential merchant is predicted to intend to use.   
     
     
         18 . The one or more non-transitory computer-readable media of  claim 17 , the acts further comprising:
 receiving updated training data indicating at least one of (i) updated first merchant information, (ii) updated intent data, or (iii) accuracy of predictions by the machine learning model; and   iteratively updating the machine learning model based at least in part on the updated training data.   
     
     
         19 . The one or more non-transitory computer-readable media of  claim 17 , the acts further comprising:
 determining confidence values associated with at least one of the one or more merchant services of the service provider that the potential merchant is predicted to intend to use.   
     
     
         20 . The one or more non-transitory computer-readable media of  claim 17 , the acts further comprising:
 determining that the potential merchant completed the onboarding process;   determining, based at least in part on at least one of the first merchant information or the second merchant information, a recommendation associated with at least one merchant service of the plurality of merchant services; and   sending the recommendation to a computing device of the potential merchant.