Abstract: A method implemented via execution of computing instructions configured to run at one or more processors and stored at one or more non-transitory computer-readable media. The method can include receiving, via a computer network, a user interaction signal from a user device for a user. The method further can include after receiving the user interaction signal, determining, in real-time via a machine learning model, a plurality of user intent labels based at least in part on transaction data, interaction data, and incident data for the user. The machine learning model can include pre-trained based on historical input data and historical output data associated with multiple users comprising the user. The historical input data can comprise historical feature embedding vectors for historical transaction data, historical interaction data, and historical incident data associated with the multiple users.