| CPC G06Q 20/108 (2013.01) | 20 Claims |
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1. A computer-implemented method comprising:
providing, from at least one server device for display within a graphical user interface of a computing device corresponding to a user account, one or more selectable intelligent asset repayment elements for selecting among a plurality of asset repayment models;
in response to receiving, at the at least one server device, a user interaction via the one or more selectable intelligent asset repayment elements, selecting via the at least one server device, an intelligent asset repayment model from the plurality of asset repayment models comprising:
an automatic asset repayment model for automatically transferring assets at a predetermined time;
a client-initiated asset repayment model for transferring assets based on client device interactions with an account user interface; and
the intelligent asset repayment model for automatically transferring assets corresponding to qualifying post-deadline asset transfer classes after deadline times of the user account according to an asset allocation hierarchy, wherein the asset allocation hierarchy comprises an order of priority comprising: a base limit value repayment priority followed by an early access repayment priority followed by a lending repayment priority;
utilizing, via the at least one server device, the intelligent asset repayment model to automatically transfer qualifying post-deadline assets corresponding to the qualifying post-deadline asset transfer classes from the user account without additional user interaction corresponding to the user account according to the asset allocation hierarchy, by:
determining that the user account fails to satisfy an asset threshold corresponding to a deadline time;
based on determining that the user account fails to satisfy the asset threshold corresponding to the deadline time, initiating a postponement of user account monitoring utilizing the at least one server device;
identifying one or more monitoring account triggers for resuming monitoring of user account activity data of the user account;
upon detecting a monitoring account trigger of the one or more monitoring account triggers corresponding to the user account:
resuming monitoring, utilizing the at least one server device, the user account activity data of the user account to identify a plurality of asset transfers; and
generating, utilizing the at least one server device, classifications for the plurality of asset transfers, the classifications comprising an outbound asset transfer class, non-qualifying post-deadline asset transfer classes, and the qualifying post-deadline asset transfer classes;
filtering non-qualifying asset transfers corresponding to the outbound asset transfer class and the non-qualifying post-deadline asset transfer classes to identify a qualifying post-deadline asset transfer of the qualifying post-deadline assets corresponding to at least one of the qualifying post-deadline asset transfer classes for a post-deadline asset transfer; and
in response to identifying the qualifying post-deadline asset transfer and determining that the qualifying post-deadline assets cause the user account to satisfy the asset threshold, automatically initiating, via the at least one server device, a digital transfer of assets comprising the qualifying post-deadline assets, from the user account according to the asset allocation hierarchy and the order of priority comprising the base limit value repayment priority followed by the early access repayment priority followed by the lending repayment priority; and
providing, for display within at least one graphical user interface of the computing device corresponding to the user account, a digital notification of the digital transfer of assets comprising the qualifying post-deadline assets executed without additional user interaction corresponding to the user account.
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