Modeling to generate dynamic electronic representations

Abstract

Generation of dynamic electronic representations using modeling is described. Interaction data comprising attributes of one or more interactions between a user and the service provider or one or more third-party services integrated with the service provider is received. A model is executed to dynamically generate an electronic representation for a user profile based upon the interaction data, wherein the model is trained using attributes associated with a set of existing user profiles associated with the service provider and corresponding interaction data indicative of interaction data of the set of existing user profiles, and wherein the electronic representation is generated without input from the user. The electronic representation can be presented on an electronic device.

What we claim is: 
     
         1 . A method, implemented in part by a processor of a payment service, comprising:
 retrieving, by the processor, interaction data comprising attributes of one or more interactions between a user and at least one of the payment service or one or more third-party services integrated with the payment service;   executing, by the processor, a model configured to dynamically generate a graphical representation for a user profile based upon the interaction data, wherein the model is trained using attributes associated with a set of existing user profiles associated with the payment service and corresponding interaction data indicative of interactions with existing users of the payment service and at least one of the payment service or the one or more third-party services, and wherein the graphical representation is generated without input from the user;   instructing, by the processor, at least one electronic device to present the graphical representation for the user profile;   receiving, by the processor, an authentication request comprising the graphical representation; and   authenticating by the processor, the user using the graphical representation.   
     
     
         2 . The method of  claim 1 , wherein the interaction data corresponds to at least one of transaction data, merchant data, music data, or third-party data. 
     
     
         3 . The method of  claim 1 , wherein the model is further configured to generate a visual attribute of the graphical representation for the user profile, the visual attribute comprising at least one of color, design element, text element, or font. 
     
     
         4 . The method of  claim 1 , wherein the model is further trained using at least one of graphical representations corresponding to the set of existing user profiles, demographic data associated with the set of existing user profiles, content corresponding to one or more music media accessed by the set of existing user profiles, social media activity associated with the set of existing users, or communications associated with merchants associated with the interaction data. 
     
     
         5 . A method, implemented in part by a processor of a service provider, comprising:
 retrieving, by the processor, interaction data comprising attributes of one or more interactions between a user and the service provider or one or more third-party services integrated with the service provider;   executing, by the processor, a model configured to dynamically generate an electronic representation for a user profile based upon the interaction data, wherein the model is trained using attributes associated with a set of existing user profiles associated with the service provider and corresponding interaction data indicative of interaction data of the set of existing user profiles, and wherein the electronic representation is generated without input from the user; and   instructing, by the processor, presentation of the electronic representation on an electronic device.   
     
     
         6 . The method of  claim 5 , wherein the interaction data corresponds to at least one of transaction data, merchant data, music data, or third-party data, and wherein the model is further trained using at least one of graphical representations corresponding to the set of existing user profiles, demographic data associated with the set of existing user profiles, content corresponding to one or more music media accessed by the set of existing user profiles, social media activity associated with the set of existing users, or advertisements associated with merchants associated with the interaction data. 
     
     
         7 . The method of  claim 5 , wherein the electronic representation of the user profile is at least one of a graphical element, textual element, video element, or auditory element, wherein when the model generates a graphical element, the model is further configured to generate a visual attribute of the electronic representation for the user profile, the visual attribute comprising at least one of color, design element, text, or font. 
     
     
         8 . The method of  claim 5 , wherein instructing presentation of the electronic representation comprises instructing an output of a user interface displayed on the electronic device customized based on the electronic representation, an onboarding method for the user where the onboarding method is customized based on the electronic representation, or the electronic representation on a payment card. 
     
     
         9 . The method of  claim 5 , wherein the electronic representation for the user profile is useable as a payment instrument, the method further comprising:
 receiving, from a second electronic device, a payment request, wherein the payment request is associated with the electronic representation;   accessing payment data associated with the user profile based on the payment request being associated with the electronic representation, wherein the payment data is embedded in the electronic representation or identifiable based on an association between the electronic representation and the user profile; and   authorizing the payment request using the payment data.   
     
     
         10 . The method of  claim 5 , further comprising initiating, by the processor, generation of a non-fungible token based on the electronic representation of the user profile. 
     
     
         11 . The method of  claim 5 , further comprising:
 periodically monitoring, by the processor, new interaction data associated with the user; and   updating, by the processor, the electronic representation in accordance with executing the model using the new interaction data.   
     
     
         12 . The method of  claim 5 , wherein when the interaction data satisfies a threshold or is determined to be associated with a particular characteristic, the electronic representation comprises an attribute indicating satisfaction of the threshold or association with the particular characteristic. 
     
     
         14 . A computer system comprising:
 one or more processors; and
 one or more computer-executable instructions that, when executed by the one or more processors, cause the one or more processors to perform operations comprising: retrieving interaction data comprising attributes of one or more interactions between a user and the service provider or one or more third-party services integrated with the service provider; 
 executing a model configured to dynamically generate an electronic representation for a user profile based upon the interaction data, wherein the model is trained using attributes associated with a set of existing user profiles associated with the service provider and corresponding interaction data indicative of interaction data of the set of existing user profiles, and wherein the electronic representation is generated without input from the user; and 
 instructing presentation of the electronic representation on an electronic device. 
   
     
     
         15 . The computer system of  claim 14 , wherein the interaction data corresponds to at least one of transaction data, merchant data, music data, or third-party data, and wherein the model is further trained using at least one of graphical representations corresponding to the set of existing user profiles, demographic data associated with the set of existing user profiles, content corresponding to one or more music media accessed by the set of existing user profiles, social media activity associated with the set of existing users, or advertisement associated with merchants associated with the interaction data. 
     
     
         16 . The computer system of  claim 14 , wherein the electronic representation of the user profile is at least one of a graphical element, textual element, video element, or auditory element, wherein when the model generates a graphical element, the model is further configured to generate a visual attribute of the electronic representation for the user profile, the visual attribute comprising at least one of color, item category, album cover attribute, design element, text, or font. 
     
     
         17 . The computer system of  claim 14 , wherein instructing presentation of the electronic representation comprises instructing an output of a user interface displayed on the electronic device customized based on the electronic representation, an onboarding method for the user where the onboarding method is customized based on the electronic representation, or the electronic representation on a payment card. 
     
     
         18 . The computer system of  claim 14 , wherein the electronic representation for the user profile is useable as a payment instrument, the one or more computer-executable instructions further causing the one or more processors to perform operations comprising:
 receiving, from a second electronic device, a payment request, wherein the payment request is associated with the electronic representation;   accessing payment data associated with the user profile based on the payment request being associated with the electronic representation, wherein the payment data is embedded in the electronic representation or identifiable based on an association between the electronic representation and the user profile; and   authorizing the payment request using the payment data.   
     
     
         19 . The computer system of  claim 14 , the one or more computer-executable instructions further causing the one or more processors to perform operations comprising:
 initiating generation of a non-fungible token based on the electronic representation of the user profile.   
     
     
         20 . The computer system of  claim 14 , the one or more computer-executable instructions further causing the one or more processors to perform operations comprising:
 periodically monitoring new interaction data associated with the user; and   updating the electronic representation in accordance with executing the model using the new interaction data.