Utilizing machine learning to perform a merger and optimization operation

Abstract

A device may comprise a memory and a processor coupled to the memory. The processor may receive transaction information and entity information for a plurality of entities and may generate a first model based on the transaction information, the entity information, and information identifying an event, a theme, or a transaction parameter. The processor may process, using the first model, the transaction information and the entity information to identify a set of related entities and a type of relationship associated with the set of related entities. The processor may determine, using a second model, one or more modifications to a first set of accounts and a second set of accounts associated with the first and second entities based on the type of relationship and may perform one or more actions based on the one or more modifications.

What is claimed is: 
     
         1 . A method, comprising:
 performing, by a device, a training operation to generate a first model by portioning transaction information, entity information, information identifying an event, a theme, or a transaction parameter associated with a plurality of types of relationships into a training set, a validation set, and a test set;   determining, by a device and using the first model, sets of related entities associated with a first entity,
 wherein the sets of related entities are associated with sets of accounts; 
   identifying, by the device and using a second model, a type of account associated with each account included in the sets of accounts associated with the sets of related entities;   determining, by the device and using the second model, a commonality factor associated with the type of account;   determining, by the device and using the second model, to include the type of account in a recommended set of accounts based on the commonality factor;   determining, by the device and based on the recommended set of accounts, information identifying one or more modifications associated with the first entity; and   performing, by the device and based on the one or more modifications, one or more actions associated with the first entity.   
     
     
         2 . The method of  claim 1 , wherein the one or more actions include:
 providing a recommendation to form an account associated with the type of account, or   opening the account, associated with the type of account, in association with the first entity.   
     
     
         3 . The method of  claim 1 , wherein the type of account includes one or more of:
 a savings account,   a checking account, or   a brokerage account.   
     
     
         4 . The method of  claim 1 , wherein determining to include the type of account in the recommended set of accounts comprises:
 comparing the commonality factor against a threshold commonality factor to determine to include the type of account in the recommended set of accounts.   
     
     
         5 . The method of  claim 1 , wherein the commonality factor is associated with a quantity or percentage of the sets of accounts having the type of account. 
     
     
         6 . The method of  claim 1 , wherein the one or more modifications include one or more of:
 determination of one or more accounts, associated with the first entity, to open,   determination of one or more accounts, associated with the first entity, to close, or   modification of one or more accounts, associated with the first entity, to form a joint account with a second entity.   
     
     
         7 . The method of  claim 1 , wherein determining the sets of related entities is based on one or more socioeconomic factors. 
     
     
         8 . A device, comprising:
 one or more memories; and   one or more processors, coupled to the one or more memories, configured to:
 perform a training operation to generate a first model by portioning transaction information, entity information, information identifying an event, a theme, or a transaction parameter associated with a plurality of types of relationships into a training set, a validation set, and a test set; 
 determine, using the first model, sets of related entities associated with a first entity and a second entity,
 wherein the sets of related entities are associated with sets of accounts; 
 
 identify, using a second model, a type of account associated with each account included in the sets of accounts associated with the sets of related entities; 
 determine, using the second model, a commonality factor associated with the type of account; 
 determine, using the second model, to include the type of account in a recommended set of accounts based on the commonality factor; 
 determine, using the second model and based on the recommended set of accounts, information identifying one or more modifications associated with the first entity; and 
 perform, based on the one or more modifications, one or more actions associated with the first entity and the second entity. 
   
     
     
         9 . The device of  claim 8 , wherein the one or more processors, to perform the one or more actions, are configured to one or more of:
 provide a recommendation to form an account associated with the type of account, or   open the account, associated with the type of account, in association with the first entity and the second entity.   
     
     
         10 . The device of  claim 8 , wherein the type of account includes one or more of:
 a savings account,   a checking account, or   a brokerage account.   
     
     
         11 . The device of  claim 8 , wherein the one or more processors, to determine to include the type of account in the recommended set of accounts, are configured to:
 compare the commonality factor against a threshold commonality factor to determine to include the type of account in the recommended set of accounts.   
     
     
         12 . The device of  claim 8 , wherein the commonality factor is associated with a quantity or percentage of the sets of accounts having the type of account. 
     
     
         13 . The device of  claim 8 , wherein the one or more modifications include one or more of:
 determination of one or more accounts, associated with the first entity, to open,   determination of one or more accounts, associated with the first entity, to close,   modification of one or more accounts, associated with the first entity, to form a joint account with the second entity,   determination of one or more accounts, associated with the second entity, to open,   determination of one or more accounts, associated with the second entity, to close, or   modification of one or more accounts, associated with the second entity, to form a joint account with the first entity.   
     
     
         14 . The device of  claim 8 , wherein determining the sets of related entities is based on one or more socioeconomic factors. 
     
     
         15 . A non-transitory computer-readable medium storing a set of instructions, the set of instructions comprising:
 one or more instructions that, when executed by one or more processors of a device, cause the device to:
 perform a training operation to generate a first model by portioning transaction information, entity information, information identifying an event, a theme, or a transaction parameter associated with a plurality of types of relationships into a training set, a validation set, and a test set; 
 determine, using the first model, sets of related entities associated with a first entity or a second entity,
 wherein the sets of related entities are associated with sets of accounts; 
 
 identify, using a second model, a type of account associated with each account included in the sets of accounts associated with the sets of related entities; 
 determine, using the second model, a commonality factor associated with the type of account; 
 determine, using the second model, to include the type of account in a recommended set of accounts based on the commonality factor; 
 determine, using the second model and based on the recommended set of accounts, information identifying one or more modifications associated with the first entity; and 
 perform, based on the one or more modifications, one or more actions associated with the first entity or the second entity. 
   
     
     
         16 . The non-transitory computer-readable medium of  claim 15 , wherein the one or more instructions, that cause the device to perform the one or more actions, cause the device to:
 provide a recommendation to form an account associated with the type of account, and   open the account, associated with the type of account, in association with the first entity.   
     
     
         17 . The non-transitory computer-readable medium of  claim 15 , wherein the type of account includes one or more of:
 a savings account,   a checking account, or   a brokerage account.   
     
     
         18 . The non-transitory computer-readable medium of  claim 15 , wherein the one or more instructions, that cause the device to determine the type of account in the recommended set of accounts, cause the device to:
 compare the commonality factor against a threshold commonality factor to determine to include the type of account in the recommended set of accounts.   
     
     
         19 . The non-transitory computer-readable medium of  claim 15 , wherein the commonality factor is associated with a quantity or percentage of the sets of accounts having the type of account. 
     
     
         20 . The non-transitory computer-readable medium of  claim 15 , wherein the one or more modifications include one or more of:
 determination of one or more accounts, associated with the first entity, to open,   determination of one or more accounts, associated with the first entity, to close,   modification of one or more accounts, associated with the first entity, to form a joint account with the second entity,   determination of one or more accounts, associated with the second entity, to open,   determination of one or more accounts, associated with the second entity, to close, or   modification of one or more accounts, associated with the second entity, to form a joint account with the first entity.