Heuristic credit risk assessment engine

A computer system configured to generate a credit score, the computer system comprising at least one of one or more processors or one or more transceivers configured to:

• retrieve an unstructured data set from a first memory, the unstructured data set comprising an aggregated transaction set for a plurality of users, the aggregated transaction set including at least a first correlation between a user of the plurality of users and a first credit score;
• receive, from a network interface device, unstructured background data related to the aggregated transaction set and a plurality of pending transactions;
• encode the unstructured background data to create encoded background data;
• access a heuristic algorithm stored in a second memory;
• generate a second credit score by executing the heuristic algorithm using the aggregated transaction set, the first correlation, and the encoded background data;
• generate a second correlation between the second credit score and a subset of the encoded background data, the subset including at least one pending transaction of the plurality of pending transactions;
• determine that the second correlation exceeds a predefined credit score threshold;
• and
• execute, based at least in part on the determining, the at least one pending transaction.

A non-transitory computer readable medium, comprising computer readable instructions that, when executed, cause one or more computer processors to:

• retrieve, by the one or more computer processors and from a first memory, an unstructured data set comprising an aggregated transaction set for a plurality of users, the aggregated transaction set including at least a first correlation between a user of the plurality of users and a first credit score;
• receive, by the one or more computer processors and from a network interface device, unstructured background data related to the aggregated transaction set and a plurality of pending transactions;
• encode, by the one or more computer processors, the unstructured background data to create encoded background data;
• access, by the one or more computer processors, a heuristic algorithm stored in a second memory;
• and
• generate, by the one or more computer processors, a second credit score by executing the heuristic algorithm using the aggregated transaction set, the first correlation, and the encoded background data;
• generate, by the one or more computer processors, a second correlation between the second credit score and a subset of the encoded background data;
• determine, by the one or more computer processors, that the second correlation exceeds a predefined credit score threshold;
• and
• execute, by the one or more computer processors and based at least in part on the determining, a pending transaction in the subset of the encoded background data.