Abstract: The present disclosure relates to systems, non-transitory computer-readable media, and methods for utilizing a machine-learning model to determine predicted multi-level client intent classifications and provide a graphical user interface including selectable options for the predicted multi-level client intent classifications. In particular, in one or more embodiments, the disclosed systems utilize the machine-learning model to generate predicted multi-level client intent classifications and corresponding multi-level client intent classification probabilities. The disclosed systems can provide the multi-level client intent classifications to an agent device via a graphical user interface. Moreover, the disclosed systems can make recommendations and/or take action based on the predicted multi-level client intent classifications and corresponding multi-level client intent classification probabilities.

Abstract: The present disclosure relates to systems, non-transitory computer-readable media, and methods for generating, utilizing a dispute-evaluator machine-learning model, a likelihood of approval score for a submitted dispute request and granting or denying provisional credit for the dispute request based on the likelihood of approval score. In particular, in one or more embodiments, the disclosed system receives a dispute request with information associated with disputed transactions within the dispute request. Based on the generated likelihood of approval score satisfying a predetermined threshold, the disclosed system can grant or deny to the user account a provisional credit.

Abstract: The present disclosure relates to systems, non-transitory computer-readable media, and methods that utilize a check-return machine-learning model to predict whether a mobile check deposit will result in a check-return (e.g., due to mobile check deposit fraud). For instance, the disclosed systems can receive a request to initiate a mobile check deposit. In response to the request, the disclosed systems identify one or more features associated with the mobile check deposit. For example, the one or more features may include check features, historical returned and posted checks for a check maker account, recipient account historical data, or recipient account payment schedule data, etc. From the one or more features, the check-return machine-learning model generates a check-return prediction. In turn, the disclosed systems utilize the check-return prediction to process the mobile check deposit.

Abstract: The present disclosure relates to systems, methods, and non-transitory computer-readable media that detect synthetic user accounts of a digital system via machine learning. For instance, the disclosed systems can utilize a machine learning model to analyze account features that are related to a user account and generate an indication that the user account is synthetic based on the analysis. The disclosed systems can further disable (e.g., suspend or close) the user account based on determining that the user account is synthetic. In some cases, the machine learning model provides a precision score that indicates a likelihood that the user account is synthetic, and the disclosed systems disable the user account if the precision score satisfies a threshold. In some implementations, the disclosed systems generate the machine learning model using synthetic user accounts detected via one or more rules and other user accounts that are associated with those synthetic user accounts.

Abstract: The present disclosure relates to systems, non-transitory computer-readable media, and methods for utilizing machine-learning models to determine take-over scores and intelligently provide or limit access to account features. In particular, in one or more embodiments, the disclosed systems can train and utilize digital security machine-learning models to generate a take-over score indicating a likelihood that the request to access the secure digital account is unauthorized activity. Based on the determining that the take-over score satisfies a take-over threshold, the disclosed systems can allow access to the secure digital account by providing secure account information but prohibit access to a subset of account features.

Abstract: The present disclosure relates to systems, non-transitory computer-readable media, and methods that predicts in real time (or near real time) whether an initiated network transaction is fraudulent based on a machine-learning model that intelligently weights features associated with the initiated network transaction. For example, in less than a hundred millisecond latency, the fraud detection system can determine an initiated network transaction is fraudulent based on device metadata, historical transactions, and/or other feature families. To illustrate, in one or more embodiments, the fraud detection system uses various IP distances between devices (e.g., at certain times) associated with a sender account and/or a recipient account to determine whether a given network transaction is fraudulent.

Abstract: This disclosure describes an intelligent fraud detections system that, as part of an inter-network facilitation system, can intelligently generate fraud predictions for digital claims to improve accuracy and efficiency of network-transaction security systems. For example, the disclosed systems can utilize a fraud detection machine-learning model to generate a fraud prediction for a digital claim disputing a digital transaction. Indeed, the disclosed systems can identify features of a digital claim and, based on those features, utilize a fraud detection machine-learning model to generate a fraud prediction for the digital claim. Additionally, based on the fraud prediction, the disclosed systems can perform authorizing, remedial, or other actions with regard to the digital claim.