CPC G06Q 20/382 (2013.01) [G06Q 20/401 (2013.01)] | 19 Claims |
1. A computer-implemented method, comprising:
receiving a user command including a plurality of criteria characteristics in association with an account, wherein the plurality of criteria characteristics includes a first product description and a first merchant category code, the account is associated with an entity which provides a ledger of the account to a user, and the user and a second user are joint account holders of the account;
detecting an occurrence of a transaction from the account using a machine learning model, wherein the transaction is associated with a plurality of purchase characteristics including a second product description and a second merchant category code;
determining, using the machine learning model, whether the plurality of purchase characteristics included in the second product description and the second merchant category code match the plurality of criteria characteristics included in the first product description and the first merchant category code;
performing a ledger process using the machine learning model, the ledger process including:
recording a modified version of the plurality of purchase characteristics of the transaction on the ledger of the account for a defined time duration, in response to determining the plurality of purchase characteristics included in the second product description and the second merchant category code match the plurality of criteria characteristics included in the first product description and the first merchant category code, wherein the recording of the modified version of the matching plurality of purchase characteristics included in the second product description and the second merchant category code conceals the transaction from the second user; or
recording an unmodified version of the plurality of purchase characteristics of the transaction on the ledger of the account, in response to determining the plurality of purchase characteristics included in the second product description and the second merchant category code do not match the plurality of criteria characteristics included in the first product description and the first merchant category code;
determining whether the account is associated with a preprogrammed instruction to transmit a push notification associated with the transaction upon detecting the occurrence of the transaction;
in response to determining the account is associated with the preprogrammed instruction to transmit the push notification, modifying the push notification to include the modified version of the plurality of purchase characteristics; and
executing the preprogrammed instruction to transmit the push notification to a user device.
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