US-20260127562-A1 - ASSET REGULATION NETWORK

US20260127562A1US 20260127562 A1US20260127562 A1US 20260127562A1US-20260127562-A1

Abstract

Particular embodiments receive a request to access an amount of the funds comprising a restricted balance associated with a restricted account of a user if a payment service prior to satisfaction of a condition associated with the restricted account. The condition, upon satisfaction, allows the restricted balance to transition to an unrestricted balance. The payment service causes an intervention to be displayed by a user device of the user that prevents access to the funds in the restricted balance. In lieu of accessing the funds in the restricted balance, the payment service automatically causes an amount of funds to be transferred to an unrestricted account of the user. The payment service withdraws, from the restricted balance, an amount of funds equal to the amount of funds transferred to the unrestricted account unless one or more conditions associated with the transfer to the unrestricted account of the user are satisfied.

Inventors

Disha Patel
Jung Yeon Ryu
Leyli Guliyeva
Rebecca Garner
Soren Iverson

Assignees

BLOCK, INC.

Dates

Publication Date: 20260507
Application Date: 20251230

Claims (20)

1 . (canceled)
2 . A system associated with a payment service, the system comprising: at least one memory storing a ledger and instructions, wherein the ledger includes records of transactions associated with a pooled account, and wherein the pooled account includes funds deposited by a plurality of accounts associated with a plurality of users of the payment service; an interactive user interface for display on a user device configured to facilitate access to the funds associated with the pooled account, wherein the user device is associated with a user of the plurality of users associated with an account of the plurality of accounts; and at least one processor, wherein execution of the instructions by the at least one processor causes the at least one processor to: receive, from the user device associated with the user, a first interaction with the interactive user interface indicating a request to generate one or more recommended pooled accounts for allocation of an amount of funds, wherein the request includes user preferences associated with the user; generate, using a trained machine learning model and based on the user preferences, a recommendation of the one or more recommended pooled accounts, wherein the one or more recommended pooled accounts includes the pooled account; receive, from the user device associated with the user, a second interaction with the interactive user interface indicating selection of the pooled account of the one or more recommended pooled accounts; transfer the amount of funds from the account of the user to the pooled account based on the second interaction and in response to a third interaction with the interactive user interface that indicates confirmation of the transfer; and update the ledger to reflect the transfer of the amount of funds from the account of the user to the pooled account.
3 . The system of claim 2 , wherein the trained machine learning model identifies one or more users of the plurality of users that share a threshold number of characteristics with the user, wherein the characteristics are based on at least user transaction data, user purchase history data, user attribute data, user credit history data, or user investment profile data, and wherein the one or more recommended pooled accounts are associated with at least a portion of the one or more users.
4 . The system of claim 2 , wherein the interactive user interface is configured to display a graphical representation of a composition of investments associated with the pooled account.
5 . The system of claim 2 , wherein the pooled account is a restricted account associated with a restricted balance, and wherein the restricted balance is associated with a condition associated with imposition of a penalty on the user unless the condition is satisfied prior to the user requesting access to the restricted balance.
6 . A system comprising: at least one memory storing a ledger and instructions, wherein the ledger includes records of transactions associated with a pooled account, and wherein the pooled account includes funds deposited by a plurality of accounts associated with a plurality of users; an interactive user interface for display on a user device configured to facilitate access to the funds associated with the pooled account, wherein the user device is associated with a user of the plurality of users associated with an account of the plurality of accounts; and at least one processor, wherein execution of the instructions by the at least one processor causes the at least one processor to: receive, from the user device associated with the user, a first interaction with the interactive user interface indicating a first request to generate one or more recommended pooled accounts for allocation of an amount of funds, wherein the first request includes user preferences associated with the user; generate a recommendation of one or more recommended pooled accounts, wherein the one or more recommended pooled accounts includes the pooled account; receive, from the user device associated with the user, a second interaction with the interactive user interface indicating selection of the pooled account of the one or more recommended pooled accounts; and update the ledger to reflect a transfer of the amount of funds from the account of the user to the pooled account based on the second interaction.
7 . The system of claim 6 , wherein the recommendation is generated using a trained machine learning model and based on the user preferences, and wherein the trained machine learning model identifies one or more users of the plurality of users that share a threshold number of characteristics with the user, wherein the characteristics are based on at least user transaction data, user purchase history data, user attribute data, user credit history data, or user investment profile data, and wherein the one or more recommended pooled accounts are associated with at least a portion of the one or more users.
8 . The system of claim 6 , wherein the interactive user interface is configured to display a graphical representation of a composition of investments associated with the pooled account.
9 . The system of claim 6 , wherein the pooled account is a restricted account associated with a restricted balance, and wherein the restricted balance is associated with a condition associated with imposition of a penalty on the user unless the condition is satisfied prior to the user requesting access to the restricted balance.
10 . The system of claim 6 , wherein the instructions further cause the system to: transfer the amount of funds from the account of the user to the pooled account based on the second interaction and in response to a third interaction with the interactive user interface that indicates confirmation of the transfer.
11 . The system of claim 6 , wherein the instructions further cause the system to: receive a second request to access at least a portion of the amount of funds in the pooled account; and update the ledger to: reflect an increase to the account of the user by a value equivalent to the portion of the amount of funds, wherein the account of the user is an unrestricted account; reduce ownership by the user of the pooled account by the portion of the amount of funds; and increase ownership by a payment service of the pooled account by the portion of the amount of funds.
12 . The system of claim 6 , wherein the instructions further cause the system to: generate one or more prompts in response to the first request; display the one or more prompts via the interactive user interface, wherein the one or more prompts are associated with one or more interactive elements; receive, from the user device associated with the user, a third interaction with at least one of the one or more interactive elements indicating a response to the one or more prompts; and update the user preferences based on the response to the one or more prompts.
13 . The system of claim 6 , wherein the second interaction is performed automatically based on prior authorization from the user associated with the account.
14 . The system of claim 6 , wherein the pooled account is an unrestricted account associated with an unrestricted balance.
15 . A computer-implemented method comprising: receiving, from a user device associated with a user of a plurality of users, a first interaction with an interactive user interface indicating a first request to generate one or more recommended pooled accounts for allocation of an amount of funds, wherein the first request includes user preferences associated with the user, and wherein the interactive user interface for display on the user device is configured to facilitate access to the funds associated with a pooled account, and wherein the user is associated with an account of a plurality of accounts; generating, using a trained machine learning model and based on the user preferences, a recommendation of one or more recommended pooled accounts, wherein the one or more recommended pooled accounts includes the pooled account; receiving, from the user device associated with the user, a second interaction with the interactive user interface indicating selection of the pooled account of the one or more recommended pooled accounts; and updating a ledger to reflect a transfer of the amount of funds from the account of the user to the pooled account based on the second interaction, wherein the ledger includes records of transactions associated with the pooled account, wherein the pooled account includes funds deposited by the plurality of accounts associated with the plurality of users of a payment service.
16 . The computer-implemented method of claim 15 , wherein the trained machine learning model identifies one or more users of the plurality of users that share a threshold number of characteristics with the user, wherein the characteristics are based on at least user transaction data, user purchase history data, user attribute data, user credit history data, or user investment profile data, and wherein the one or more recommended pooled accounts are associated with at least a portion of the one or more users.
17 . The computer-implemented method of claim 15 , wherein the interactive user interface is configured to display a graphical representation of a composition of investments associated with the pooled account.
18 . The computer-implemented method of claim 15 , wherein the pooled account is a restricted account associated with a restricted balance, and wherein the restricted balance is associated with a condition associated with imposition of a penalty on the user unless the condition is satisfied prior to the user requesting access to the restricted balance.
19 . The computer-implemented method of claim 15 , further comprising: transferring the amount of funds from the account of the user to the pooled account based on the second interaction and in response to a third interaction with the interactive user interface that indicates confirmation of the transfer.
20 . The computer-implemented method of claim 15 , further comprising: receiving a second request to access at least a portion of the amount of funds in the pooled account; and updating the ledger to: reflect an increase to the account of the user by a value equivalent to the portion of the amount of funds, wherein the account of the user is an unrestricted account; reduce ownership by the user of the pooled account by the portion of the amount of funds; and increase ownership by the payment service of the pooled account by the portion of the amount of funds.

Description

CROSS-REFERENCE TO RELATED APPLICATIONS This application is a continuation application of, and claims priority to, U.S. patent application Ser. No. 18/194,469, filed on Mar. 31, 2023, entitled “ASSET REGULATION NETWORK”, which is incorporated herein by reference in its entirety. TECHNICAL FIELD Online services can permit users to create one or more accounts associated with or used to access the online service. Online services can further regulate user access to specified accounts and actions associated with those accounts. In some examples, an online service may provide and service a mobile application or other end user access point with a user interface (UI) configured to facilitate said access. Access to specific accounts associated with a user can be precluded or restricted based on conditions associated with those accounts. BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is an example operating environment for processing user transaction requests according to embodiments disclosed herein. FIGS. 2A and 2B illustrate examples of facilitating user access to restricted assets through user-selected repayment terms according to embodiments disclosed herein. FIGS. 3A-3E illustrate examples of facilitating user access to restricted assets through user-selected repayment terms according to embodiments disclosed herein. FIGS. 4A-4D illustrate one or more examples of techniques for facilitating user access to restricted funds in restricted balances associated with restricted accounts by advancing an advance amount from a pooled amount of funds into which the user has invested according to embodiments disclosed herein. FIGS. 5A-5C illustrate examples for facilitating user access to restricted assets and interfaces for reviewing restrict account portfolios according to embodiments disclosed herein. FIG. 6A illustrates an example method for facilitating user access to restricted assets according to embodiments disclosed herein. FIG. 6B illustrates an example method for facilitating user access to restricted assets by advancing a loan amount according to embodiments disclosed herein. FIG. 6C illustrates a flow diagram of a method for facilitating user access to restricted assets by providing an advance amount and surfacing loan repayment terms according to embodiments disclosed herein. FIG. 6D illustrates a flow diagram of a method for facilitating user access to restricted assets by accessing funds available in pool of assets according to embodiments disclosed herein. FIG. 6E illustrates a flow diagram of a method for facilitating users to pool funds with a cluster of users according to embodiments disclosed herein. FIG. 6F illustrates a flow diagram of a method for identifying pooling assets and/or a cluster of users for a user to pool an amount of funds therewith according to embodiments disclosed herein. FIG. 7 illustrates an example environment for providing embodiments described herein. FIG. 8 illustrates another example environment for providing embodiments described herein. FIG. 9 illustrates an example datastore for providing embodiments described herein. FIG. 10 illustrates another example environment for providing embodiments described herein. FIG. 11 illustrates an example computer system for providing embodiments described herein. DETAILED DESCRIPTION Techniques for managing assets and associated states are described herein. Techniques described herein relate to assets associated with accounts of users on and with services, such as online services, and service providers and states associated with said accounts and assets. In an example, techniques described herein leverage a network of computing devices and/or components associated with a service provider. The service provider can enable users to manage assets (e.g., funds, accounts, balances, etc.) via such computing devices and/or components. In some examples, assets can correspond to funds, such as those stored in user accounts. Assets can be associated with states, such as a restricted state, an unrestricted state, or the like. For instance, in some examples where the assets under consideration include funds, certain types of funds, for example, associated with accounts for retirement planning, long-term investing, or other long-term financial planning have limits imposed to disincentivize accessing the funds saved therein for short-term use. In some examples, taxes on such assets are deferred (e.g., “tax deferred assets”) and/or certain penalties may be imposed on a user who accesses such assets before a specified period of time has elapsed or the user has satisfied certain criteria. As such, such assets can be associated with a “restricted” state. User accounts can also be associated with similar access restrictions until a specified period of time has lapsed or the user, or account, has satisfied certain criteria. Such accounts can also be associated with a “restricted” state, which may be applied to all assets associated with said accounts. Said accounts