Abstract: Controlling communications between arrangements of computing systems improves letter of credit (“LC”) administration, speed, flexibility, and reach. The computing systems can be operated by an Applicant, Issuer, Custody Bank, and Beneficiary. LC improvements are achieved by the Applicant computing system making a LC request to the Issuer computing system, which obtains a hold on non-cash collateral and provides the hold to the Custody Bank computing system, designating the Custody Bank as both nominated person and paying agent. The Custody Bank computing system obtains a hold on the collateral, using it to immediately act on Beneficiary payment requests in kind of the collateral. Under these arrangements, the LC is capable of immediate payment and automated amendments to Stated Amounts to rebalance capacity amongst Beneficiaries of the Applicant, the LC Stated Amount and collateral values are always equal, and the LC is less susceptible to payment interference, automatic stays, and double payment.

Abstract: A system and method for identifying unauthorized uploaded content that has been uploaded before a validated live reference stream has been ingested is disclosed herein. The live reference stream is compared against the indexed uploaded content repeatedly as the live reference stream is received. The matching process is done once per a time period until a match meeting a minimum match duration threshold is identified. The match is then determined to be unauthorized, and a claim is issued against the unauthorized uploaded content. The time period can be based on a utility based analysis that factors the computational costs of repeated matching versus the diminishing value of the live reference stream as time progresses.

Abstract: A negotiation device conducting automated negotiation by transmitting and receiving proposals to and from a counterpart device includes an estimating unit configured to estimate a negotiation characteristic of the counterpart device by using information corresponding to a proposal transmitted by the negotiation device.

Abstract: A system and method that varies the terms and conditions of a subsidized loan includes a data collection circuit structured to receive data related to an item of collateral that provides security for a loan; a valuation circuit structured to determine a value for the item of collateral based on the received data and a valuation model; a smart contract circuit structured to create a smart lending contract, wherein the smart lending contract specifies a covenant defining a required value of the item of collateral; and a loan management circuit comprising: a value comparison circuit structured to compare the value of the item and the specified covenant and determine a collateral satisfaction value, an automated agent circuit structured to automatically implement loan related activities in response to the collateral satisfaction value, wherein the loan related activities comprise: issuing a notice of default or a foreclosure action.

Abstract: The Computationally Efficient Transfer Processing, Auditing, and Search Apparatuses, Methods and Systems (“SOCOACT”) transforms smart contract request, crypto currency deposit request, crypto collateral deposit request, crypto currency transfer request, crypto collateral transfer request inputs via SOCOACT components into transaction confirmation outputs. Also, SOCOACT transforms transaction record inputs via SOCOACT components into matrix and list tuple outputs for computationally efficient auditing. A blockchain transaction data auditing apparatus comprises a blockchain recordation component, a matrix Conversion component, and a bloom filter component.

Abstract: Implementations described herein relate to methods, systems, and computer-readable media to assign an attribution weight to an agent node. In some implementations, a method includes receiving a plurality of transaction data records, determining a crediting profile associated with each transaction data record, creating a plurality of clusters of transaction data records, assigning each of the plurality of clusters of transaction data records to a respective processor of a plurality of processors, loading rules associated with a respective crediting profile into a memory associated with the corresponding processor, and for each cluster of transaction data records, determining a match of one or more rules from a set of rule, selecting a rule from the determined one or more rules, and assigning the attribution weight to the at least one agent node based on the selected rule.

Abstract: Provided is a system for conducting a payment transaction involving payment on delivery in real-time. The system may include at least one processor programmed or configured to receive transaction data associated with a payment transaction involving a merchant and a customer at a location that is independent of a merchant location, determine a financial institution of a plurality of financial institutions based on the transaction data associated with the payment transaction, communicate data associated with a request for authorization of the payment transaction involving the merchant and the customer, receive an indication of authorization of the payment transaction involving the merchant and the customer, communicate data associated with authorization of the payment transaction involving the merchant and the customer. A method and computer program product are also provided.

Abstract: A method of displaying a symbol representative of changes in price during a time period includes receiving a plurality of prices, each price occurring at a different corresponding time, determining, from the received plurality of the prices, an open price occurring at an initial time and a last price occurring at a last time, the time period extending from the initial time to the last time, determining, from the received plurality of prices, a highest price occurring at a first time within the time period and a lowest price occurring at a second time within the time period, generating, by a charting engine, a symbol, based on the open price, the last price, the highest price, and the lowest price, and displaying at a particular position, by the charting engine, the symbol, which includes a first indicator indicating the first time corresponding to the highest price and a second indicator indicating the second time corresponding to the lowest price.

Abstract: An apparatus comprises at least one processing device having a processor coupled to a memory. The processing device is configured to implement a first ledger node of a first cloud. The first ledger node of the first cloud is configured to communicate over one or more networks with a plurality of additional ledger nodes associated with respective additional clouds. The first ledger node is further configured to obtain a transaction associated with a valuation of a data asset. The first ledger node is further configured to broadcast the valuation transaction to the additional ledger nodes. A cryptographic block characterizing at least the valuation transaction is generated and entered into a blockchain distributed ledger collectively maintained by the first and additional ledger nodes. The first and additional ledger nodes collectively maintain the blockchain distributed ledger on a peer-to-peer basis without utilizing a centralized transaction authority.

Abstract: A method can include evaluating each of a plurality of collaborative systems, using a processor, for suitability hosting an artifact according to at least one attribute of the artifact. A first collaborative system can be selected from the plurality of collaborative systems according to the evaluation. The artifact can be stored in the first collaborative system.

Abstract: Described is a technology for facilitating money transfer between a sender and a recipient by use of a payment proxy associated with the recipient. The technology enables a sender, who desires to send cash to a recipient, using an application (e.g., a payment service application, a messaging application, etc.), to specify the recipient by inputting, in a message being created using the application, one or more alphanumeric characters and a monetary currency indicator prefixing the alphanumeric characters (e.g., $alex). The monetary currency indicator operates as a tagging mechanism that indicates to a computer system, receiving the message, to treat the input(s) as a request from the sender to transfer cash, wherein detection of a specified syntax, which includes the alphanumeric character tagged by a monetary currency indicator, triggers a transfer of cash.

Abstract: Systems and methods for generating a data map based on a dynamically updated data set. The system includes a client-side device. The client-side device includes a controller and is operably connected to a communication network. The controller includes a processor and a non-transitory computer readable data storage medium, the processor is configured to retrieve from the medium and execute computer readable instructions to receive a data set including one or more data assets and generate the data map based on the received data set. Each data asset includes four or more attributes. The data map includes one or more segments, and the one or more segments illustrate each of the four or more attributes of the one or more data assets.

Abstract: Embodiments for determining a traded item's value are described herein. An embodiment includes identifying conditions for use in computing a value of the tradable object. The embodiment further includes determining whether a condition is satisfied based on market data, for example, and if the condition is satisfied, then determining the value of the item based on a rule associated with the condition; and if the condition is not satisfied, then determining whether a subsequent condition is satisfied. If a subsequent condition is satisfied, then determining the value of the tradable object based on a rule associated with the subsequent condition. An embodiment further includes computing an open profit and loss value based on the item's value. Other embodiments are also disclosed.

Abstract: A system and method for distributed risk rules is disclosed. The method receives, at a subsystem, a subset of rules from a main rules system. The subsystem then determines that a communication to the main rules system is disrupted. The subsystem utilizes the subset of rules to make at least one business decision. After determining that the communication to the main rules system is operational, the subsystem provides a reconciliation data file including the at least one business decision to the main rules system.

Abstract: To use letters of credit (LCs) as UMR collateral, LC data structures need to continuously reallocate undrawn LC stated amounts amongst Counterparties in real-time. The disclosed automated agent software modules perform these allocations and re-allocations without the need for LC amendments and under UMR Custodian control. Each LC can be credited to the Counterparty's account and digital tokens can be specified in the LC data structure and provided to the UMR Custodian for allocation as documentary conditions for LC payment. The LC stated amount honored must match the digital tokens allocated and not already used for payment. Individual or Joint Beneficiary LC stated amounts represent potential maximum LC capacity and whatever digital tokens held in an account represent the available capacity for draw. The digital tokens are deactivated or dereferenced from the LC data structure after payment, ensuring that a demand for payment can never exceed the available payment capacity.

Abstract: A flexible advance system allows users to request and receive advances instantly. The flexible advance system facilitates intra-system transfers between a third-party entity and employee accounts at a third-party system by generating and providing funding instructions to the third-party entity. Funding instructions include a funding amount that the flexible advance system predicts using one or more machine-learned models that account for seasonality and time delays. In executing the instructions from the flexible advance system, the third-party entity transfers funds to its entity account with the third-party system based on the funding amount. Once the flexible advance system receives an indication that the third-party entity has executed the instructions, the flexible advance system authorizes users of the flexible advance system to request short-term advances.

Abstract: Disclosed herein are system, method, and computer program product embodiments for processing a written-language contract using an industry-specific natural language processing model to determine flows or actions to undertake in a Customer Relationship Management (CRM) solution. A CRM solution may include the ability to receive or create a binding natural-language contract. The CPQ or CRM system may use natural language processing (NLP) to determine terms and conditions included in a natural-language contract. The NLP may further use an industry-specific model that may be determined based on information in the CRM solution to more efficiently and accurately analyze the natural-language contract. The CRM solution may further receive a legal language construct and convert the terms of the legal language construct into a smart contract.

Abstract: A decumulation management system provides guidance for decumulation of a portfolio over a decumulation period of time. A spending amount is withdrawn from the portfolio during the decumulation period of time. The decumulation management system determines the probability of successfully withdrawing the spending amount during the remaining decumulation period and establishes thresholds for adjusting the spending amount and a risk profile of the portfolio based on the performance of the portfolio during the decumulation. When the portfolio value decreases below the thresholds, the spending amount may be reduced, and when the portfolio value exceeds the thresholds, the spending amount may be increased and the risk profile of the portfolio is decreased. The decumulation management system may provide recommendations based on these thresholds, or may automatically manage withdrawals of the spending amount and investments to match the risk profile.

Abstract: A computer system is described that is configured to calculate probable risks of assets being transferred away from an institution that is currently holding the assets. In order to reduce transfers of assets from an institution, the computer system is configured to predict a likelihood of transfer of the asset from the institution based on the client data. The computer system is configured to predict a risk of transfer of the asset that takes into account the value of the asset. For example, particular higher value assets may be more valuable to the financial institution than other assets given a comparable likelihood of transfer. The computer system is further configured to propose and/or prioritize actions, such as potential advising opportunities, to minimize the risk of transfer of the asset from the financial institution.

Abstract: The present disclosure relates to a mobile card payment system and method, and more particularly, to a mobile card payment system and method for performing a card payment between mobile communication terminals on the basis of a phone-to-phone payment concept wherein the mobile card payment system is capable of performing a card payment by storing at least one of actual card information and virtual card information regarding normal financial cards including an actual financial card, which has a plastic solid body, and a digital financial card, in which actual card information is stored in a digital type and used, in a card-terminal-specific mobile communication terminal, setting a payment-terminal-specific mobile communication terminal as a card payment terminal, and reading the card information stored in the card-terminal-specific mobile communication terminal.

Abstract: Aspects of the disclosure relate to systems for processing transactions between two entities. A transaction control platform may determine attributes associated with different transfer channels between the two entities. Based on the determined attributes, the transaction control platform may determine a transfer channel to be used for transmitting a message corresponding to the transaction. The transaction control platform may use machine learning algorithms to identify an optimal transfer channel that meets particular desired factors.

Abstract: Methods and computer systems for processing bulk transfer files are described. In an aspect, a transfer processing system is configured for: receiving a bulk transfer file from a remote device, the bulk transfer file defining a plurality of requested transfers associated with a database; classifying one or more of the requested transfers defined in the bulk transfer file as being likely to fail processing by passing the requested transfers defined in the bulk transfer file to a classifier trained to identify transfers likely to fail processing based on training data, the training data including a plurality of prior requested transfers and associated completion indicators indicating the prior requested transfers that failed processing; and providing, in real time or near real time, a notification to the remote device of the requested transfers identified as likely to fail processing.

Abstract: A processor-implemented method for generating a multi-dimensional risk profiling data structure includes identifying one or more dimensions common to a plurality of risks along which all of the plurality of risks may be aggregated, assigning the one or more common dimensions to a top level cube structure, identifying a set of dimensions and risk drivers specific to each of the plurality of risks, and assigning each set of dimensions and risk drivers to each of a plurality of second level cubes.

Abstract: Example embodiments relate to a network-based vulnerability detection system configured to access a database of customer transaction data corresponding to a set of card readers that includes transaction codes, receive an identification of a set of compromised card readers among the set of card readers, identify common transaction codes within the transaction data of the set of compromised card readers, and correlate the common transaction codes to one or more instances of fraud associated with the compromised set of card readers. In some example embodiments, the vulnerability detection system may be applied to monitor one or more card readers, receive transaction data corresponding to transaction conducted through the card readers, identify the common transaction codes correlated to the instances of fraud, and cause display of a notification that includes an indication of the instance of fraud at a client device.

Abstract: Described herein are improved systems and methods for overcoming technical problems associated with the use of Monte Carlo simulation methods, such as problems associated with applications of Monte Carlo simulation methods that are searching for more definite answers. In some embodiments described herein, improved systems and methods overcome the technical problem of the results of Monte Carlo simulations providing approximations and/or non-optimal results (or at least non-enhanced results). Thus, such embodiments can provide more enhanced answers to limiting risks; and in some cases, such embodiments can even provide optimal answers to limiting risks. In some embodiments, machine learning can be used to provide more enhanced answers to limiting risks; and in some cases, such embodiments can use machine learning to provide optimal answers to limiting risks discovered through Monte Carlo simulations.

Abstract: Systems, methods, and computer-readable storage media facilitating automated testing of datasets including natural language data are disclosed. In the disclosed embodiments, rule sets may be used to condition and transform an input dataset into a format that is suitable for use with one or more artificial intelligence processes configured to extract parameters and classification information from the input dataset. The parameters and classes derived by the artificial intelligence processes may then be used to automatically generate various testing tools (e.g., scripts, test conditions, etc.) that may be executed against a test dataset, such as program code or other types of data.

Abstract: Aspects of the disclosure relate to using machine learning for resource planning. A computing platform may detect an occupancy modification event for a physical space. Based on detecting the occupancy modification event, the computing platform may send commands directing display of a data collection prompt to end user devices, which may prompt for work to be performed by users of the end user devices in the physical space during a first day. Using natural language processing, the computing platform may analyze user input information and other occupancy data to determine whether or not the users of the end user devices have permission to occupy the physical space during the first day. The computing platform may cause the end user devices to display a resource management interface indicating whether or not the users of the end user devices have valid permission to physically occupy the physical space during the first day.

Abstract: One or more graphical user interfaces (GUIs) and/or a console management, modeling, and analysis system is described. In some embodiments, the GUI and/or management system can be used to analyze investment purchases and/or sales. In some embodiments, users may be allowed to enter data used to produce dynamic models. In some embodiments, data may be aggregated from various users and/or sources to provide adaptive, dynamic models and/or projections.

Abstract: Various systems, devices and methods automatically identify advertisements or other portions of television or other media content prior to broadcast using automated content analysis. Information about identified content may be used for any number of different purposes, including advertisement identification; advertisement replacement; second screen browsing or augmentation of identified content; tracking of times or places that ads or other content are viewed; and many others.

Abstract: A web based finance system allows users to refinance past eligible purchasing transactions. The system can include a system server(s) which is in communication through a network with client computing devices associated with customers. The server can receive customer information and determine a refinancing value range based upon the user has a bank account and/or credit risk rating information. The server can identify prior eligible credit card purchases for refinancing and the customer can select one or more purchases for refinancing and the refinancing loan terms.

Abstract: Methods, systems, and apparatus, including computer programs encoded on computer storage media, for an adaptive financial system. One of the methods includes receiving, from a user, a selected lifestyle archetype of a user, wherein the selected lifestyle archetype identifies a predetermined allocation of income and spending. The method includes monitoring financial activities of the user. The method also includes providing feedback to the user based on the monitoring and the selected lifestyle archetype.

Abstract: An example computing device obtains financial data corresponding to a user and based on the financial data, determines an initial risk score for the user that represents an estimate of financial risk of the user. The computing device receives, from a computing system associated with a gaming platform, wagering activity data corresponding to wagers placed by the user. Based on the wagering activity data, the computing device determines an updated risk score for the user that indicates an increased estimate of financial risk. Based on determining the updated risk score, the computing device transmits (i) a first message that causes a user device to display (a) a notification that wagering activity has been suspended and (b) a request for user-input data and (ii) a second message that causes the computing system associated with the gaming platform to suspend user wagering activity via the gaming platform.

Abstract: A system for selection and configuration of a robotic process includes a data input module to receive a stream of inputs relating to a user engaged in a task of interest, an input analysis module to analyze the stream of inputs and provide a series of timestamped actions and associated action parameters, and a component selection module to select a component of an AI solution for use in an automated robotic process, based on, at least in part, an action of the series of actions, the associated action parameters, or the components ability to simulate one or more of the actions in the series of actions.

Abstract: A computer system 10 for central counterparty limit management, the computer system 10 comprising one or more computers on a network. The computer system 10 comprises an input to receive an indication of a planned order of at least one over-the-counter derivative between counterparties from an asset manager 14. The planned order is associated with at least one actual order to be executed on an execution venue 16. The computer system 10 also includes at least one storage device configured to store a limit comprising an indication of counterparty risk as a stored limit of the asset manager 14; an execution venue output configured to output an indication of a counterparty risk limit of the asset manager 14 to an execution venue 16; and an asset manager output configured to output an indication that the planned order is within the stored limit of the asset manager to the asset manager 14.

Abstract: A system, method and computer-readable medium for recommending signals to monitor in a fraud prevention application, including a server including an electronic processor. The electronic processor is configured to calculate a similarity score for one or more clients, and, for one or more signals, determine, for each of the one or more clients, a signal weight associated with the signal. The electronic processor is also configured to multiply the signal weight by the similarity score associated with the client to generate a weighted similarity score and generate a total similarity score and, for each signal, a total weighted similarity score. The electronic processor is configured to, for each signal, generate a recommendation score based on the total weighted similarity score for the signal and the total similarity score for the signal and, based on the recommendation scores, generate one or more recommended signals for a first client.

Abstract: Systems, methods, and devices are presented for providing and managing investments and workflow for investors and sponsors are described. The system provides and utilizes an actionable, reliable, transparent, real-time, collaborative marketplace for facilitating funding and distribution and for reviewing the performance of private placements via an online, authoritative, unified compliance and execution platform for private placements and other investments.

Abstract: This application provides for determining a suggested action initiation time for an interaction with an interacting party. Some aspects comprise: determining an interaction settlement due date; querying an interaction database storing historical interaction records to determine if there is one or more of the historical interaction records related by one or more factors to the interacting party; retrieving, from the interaction database (where there is one or more historical interaction record(s) related to the interacting party), historical interaction data; determining from the retrieved historical interaction data a predicted processing time for the interaction; and determining, based on the interaction settlement due date and the predicted processing time, the suggested action initiation time.

Abstract: Various embodiments are provided for providing intelligent policy coverage optimization in a computing environment by a processor. One or more policy coverage gaps in one or more operational rules defined by one or more rules, policies, or a combination thereof and associated with one or more non-compliant policy claims associated with the one or more policy coverage gaps may be identified. The one or more policy coverage gaps may be ranked according to one or more selected criteria.

Abstract: In various embodiments, methods and apparatuses for generating and operating a swaps execution facility (SEP) compliant swaps trading platform comprises (i) generating a swaps trading platform, where the generated swaps trading platform is configured to operate in accordance with a plurality of predefined rules associated with swaps execution facility (SEP) requirements; (ii) establishing one or more communication channels with respective one or more clearinghouses for transmission of clearinghouse information concerning one or more trade requests; and (iii) establishing one or more communication channels with respective one or more swaps data repository (SDR) providers for transmission of SDR information concerning the one or more trade requests.

Abstract: The invention relates to a method for transmitting redundancy data in an hybrid broadband/broadcast network system comprising a broadcast network dedicated to transmission of broadcast services and a broadband network dedicated to transmission of at least unicast services, the method being carried out in at least one network entity and comprising the following steps: —selecting (42) a transmission mode for transmitting redundancy data among a plurality of transmission modes supported by the broadband network; —obtaining (43) redundancy data, said redundancy data comprising information for decoding broadcast services broadcasted by the broadcast network; —transmitting (44), via at least one node of the broadband network, the obtained redundancy data according to the selected transmission mode.

Abstract: Methods, systems, and apparatuses may be used to create a property archivist that can enable automated customer service, in which an electronic inventory may be automatically generated and used to assist in resolving customer service needs. In an example, an apparatus may include a processor and a memory coupled with the processor that effectuates operations. The operations may include detecting a product; based on the detection, adding the product to a property archive, wherein the property archive comprises a profile for plurality of products at a location; obtaining an indication of a problem with the product; based on the detected problem, initiating a service request for the product; automatically diagnosing the problem to determine a resolution; and based on the determined resolution, automatically purchasing a part of the product and shipping the part for the product to a location of the product.

Abstract: The present invention is generally directed to systems and methods of providing automatic scaling pure-spot clusters. Such dusters may be dynamically rebalanced for further costs savings. In accordance with some methods of the present invention may include a method of utilizing a cluster in a big data cloud computing environment where instances may include reserved on-demand instances for a set price and on-demand spot instances that may be bid on by a user, the method including: creating one or more stable nodes, comprising spot instances with a bid price above a price for an equivalent on-demand instance; creating one or more volatile nodes, comprising spot instances with a bid price below a price for an equivalent on-demand instance; using one or more of the stable nodes as a master node; and using the volatile nodes as slave nodes.

Abstract: The invention provides methods, systems and computer program products for sandbox enabled testing of money laundering detection rules or rulesets.

Abstract: System and methods are provided for dynamic digital identity processing. In some embodiments, a policy request identifying a customer and a policy to be analyzed is received. A policy requirement tree associated with the policy to be analyzed is retrieved, the tree defining a set of requirements to be satisfied. Available evidence associated with the set of requirements is collected from the customer and a determination is made which requirements are satisfied by the available evidence and a subset of requirements remaining to be satisfied is generated.

Abstract: Methods and apparatus to enable a trading device to accept a user input are disclosed. An example method includes generating, via a computing device, a user interface of a trading application, wherein the user interface includes a locked portion that displays market data. The example method also includes detecting a gestural input with respect to the user interface. The example method also includes detecting a gestural event with respect to the user interface associated with the gestural input and, in response to the detected gestural event, unlocking the locked portion of the user interface.

Abstract: Systems and methods are disclosed for domain specific predictive model for entity assessment and valuation. In one implementation, evaluation criteria are identified. Historical data is collected with respect to one or more entities. Based on the one or more evaluation criteria and the historical data, one or more scores are reverse engineered with respect to the one or more entities. Linear regression analysis is performed on the one or more scores to build a predictive model. Analyze a new entity using the same scoring system with pre-prescribed parameters. Using the predictive model, a valuation of an entity is computed. One or more aspects of the computed valuation are presented within an interactive interface using a sensitivity analysis approach.

Abstract: Data streaming applications may need to provide high reliability, particularly depending on the nature of the data being streamed. A framework is described that allows a data streaming application to ensure high reliability both during update operations and during ordinary operations. A unique event ID count can be recorded that reflects messages being sent from a source to the streaming application. After an update and service restart, the count can again be collected to see if data is flowing through the streaming application as expected. Unique database record counts can be reviewed (e.g. after a restart or during ordinary operations) to ensure that no records are being unexpectedly dropped. Data content sampling can also be performed to see that any data transformations are functioning properly. Corrective actions (after a restart or during ordinary operations) can also be taken, including replay of database messages that are dropped, or sending an alert.

Abstract: A method preventing relay attacks between first and second devices is disclosed. The method includes providing, by a first device, a command message, receiving a request message and providing a response message to a second device. The time period between the receipt of the command message and the transmission of the response message by the first device is compared to another time period between the time when the command message was sent and the response message was received by the second device. If those times substantially match, then the first device can have assurance that a relay attack is not occurring.

Abstract: A computer-implemented method includes accessing data from distinct data domains corresponding to different data sources, and determining a core dimension of the accessed data common to first and second distinct data domains. The method further includes generating a data set from the data sources using a columnar data generation engine, and deriving, from the data set via stateless processing, a first guided page including actionable elements depicting data derived from the first distinct data domain. The method further includes responsive to a user interaction with one of the actionable elements, providing, dependent on the common core dimension, direct navigation from the first to the second distinct data domain, and predicting, from the data set based on machine learning and prior to the user interaction, a second guided page that depicts data derived from the second distinct data domain and is presented responsive to the direct navigation.

Abstract: A user account evaluation system is disclosed for evaluating risk associated with a user account. The system may obtain user account data associated with many user accounts, select a statistically significant subset of the user accounts, and then process (e.g., to determine types of the user accounts, etc.) and analyze the subset of user accounts to generate a plurality of evaluation models. When a new user account is accessed by the system, user account data may be obtained for the new user account, and the new user account may be evaluated based on the plurality of evaluation models. Accordingly, a plurality of evaluation parameter scores may be generated for the new user account, each of which may indicate an amount of risk associated with the user account. Some embodiments of the present disclosure may include machine learning and/or artificial intelligence methods to improve evaluation of the user accounts.