| CPC G06Q 30/0226 (2013.01) | 12 Claims |
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1. A system, comprising:
one or more processors; and
non-transitory computer-readable media storing instructions that, when executed by the one or more processors, cause the one or more processors to perform operations comprising:
receiving an indication that a payment instrument has been utilized to purchase at least one of a good or a service, the payment instrument associated with an account indicating that a reward for usage of the payment instrument is to include cryptocurrency;
determining transaction data associated with the purchase including an amount of the purchase;
generating a training dataset from the transaction data;
generating at least one trained machine learning model based at least in part on the training dataset;
determining a cryptocurrency reward amount to apply based on the amount of the purchase and the at least one trained machine learning model;
generating a pre-funded wallet, prior to receiving the indication that the payment instrument has been utilized to purchase the at least one of the good or the service, the pre-funded wallet associated with a secure token held by a cryptocurrency exchange associated with the system and stored in a memory of the cryptocurrency exchange associated with the system;
determining whether the cryptocurrency reward amount satisfies a preauthorized amount stored in association with the pre-funded wallet, wherein determining whether the cryptocurrency reward amount satisfies the preauthorized amount is based at least in part on multiple requests for the cryptocurrency being made to the preauthorized wallet within an amount of time of when the indication was received;
in response to determining the cryptocurrency reward amount satisfies the preauthorized amount, facilitating transfer of the cryptocurrency reward amount from the pre-funded wallet that is stored in the memory of the cryptocurrency exchange associated with the system to the account;
in response to determining the cryptocurrency reward amount does not satisfy the preauthorized amount:
generating transfer instructions that cause additional cryptocurrency to be acquired for the pre-funded wallet from one or more cryptocurrency sources; and
facilitating transfer of a portion of the additional cryptocurrency that corresponds to the cryptocurrency reward amount from the pre-funded wallet to the account;
determining, at a time when the purchase occurs, earning percentages associated with types of cryptocurrency associated with a lending platform;
causing display of the earning percentages;
receiving input data indicating a selection of a type of cryptocurrency from the types of cryptocurrency, the type of cryptocurrency associated with a first earning percentage of the earning percentages; and
automatically depositing the cryptocurrency reward amount into the lending platform in the type of cryptocurrency;
generating a testing group with a first outcome, the first outcome being a known outcome;
generating a second outcome using the at least one trained machine learning model, the second outcome being an unknown outcome;
determining whether the at least one trained machine learning model indicates improved performance metrics based at least in part on comparing the first outcome to the second outcome; and
determining to utilize a previous iteration of the at least one machine learning model for generating subsequent results in response to the at least one trained machine learning model not indicating improved performance metrics;
determining that a lending threshold has been satisfied by the transfer of the cryptocurrency reward amount to the lending platform;
in response to the lending threshold being satisfied, adjusting an amount of earnings from lending the cryptocurrency reward amount;
determining that a spending threshold associated with the payment instrument has been satisfied by purchasing the at least one of the good or the service; and
in response to the spending threshold being satisfied, adjusting the amount of earnings from lending the cryptocurrency reward amount.
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