| CPC G06Q 20/387 (2013.01) [G06N 20/00 (2019.01); G06Q 20/0658 (2013.01); G06Q 20/204 (2013.01); G06Q 20/3672 (2013.01); G06Q 20/3676 (2013.01); G06Q 20/3678 (2013.01); G06Q 20/3829 (2013.01); G06Q 30/0215 (2013.01); G06Q 20/352 (2013.01); G06Q 2220/00 (2013.01)] | 20 Claims |
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1. A computer-implemented method comprising:
receiving assets from an external entity for use with a payment service, wherein the assets are stored as stored assets in a first wallet of the payment service, wherein individual portions of the stored assets are assigned by the payment service to individual user accounts of users associated with the payment service using an internal ledger that is maintained by the payment service, the internal ledger comprising a plurality of transactions associated with the user accounts, the internal ledger being associated with the first wallet;
obtaining, in association with the user accounts and at least in part from a data store associated with the payment service, transaction data associated with transactions of the users, user data associated with user accounts of the users, and rewards data associated with rewards offered to users;
training a machine-learning model using training data comprising the transaction data, the user data, and the rewards data;
determining, for a first user of the users and based at least in part on the machine-learning model, one or more reward offers personalized for the first user;
causing display of a reward offer of the one or more reward offers to the first user via a display of a user device associated with an identifier of the first user, wherein the identifier is further associated with a user account of the first user;
receiving, via input to the display of the user device, an indication of actuation of an actuation mechanism corresponding to acceptance of the reward offer;
based at least in part on receiving the indication of the actuation, activating the reward offer, wherein activating the reward offer comprises storing an association between the identifier of the first user and one or more reward configurations corresponding to the reward offer;
receiving a request to process payment for a payment transaction associated with the first user, wherein the request is associated with the identifier of the first user;
determining, based at least in part on the identifier of the first user and one or more characteristics of the payment transaction, that a reward configuration of the one or more reward configurations is applicable to the payment transaction;
determining, based at least in part on the reward configuration, an amount of an asset of the stored assets to assign to the first user in association with the payment transaction; and
assigning the amount of the asset to a second wallet of the first user, wherein the second wallet is associated with the user account of the first user, and wherein assigning the amount of the asset to the second wallet comprises:
updating, using the internal ledger, the first wallet to indicate that a portion of the stored assets is owned by the first user; and
updating the second wallet to indicate ownership of the amount of the asset, wherein the amount of the asset corresponds to the portion of the stored assets, and wherein the updating of the first wallet and the second wallet is performed without accessing the external entity at a time of the updating.
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