Systems and methods for incentivizing behavior

A system for incentivizing user behavior, comprising:

• a memory storing instructions;
• and
• a processor that, when executing the instructions, is configured to:
• determine, by a machine learning model, a likelihood of reducing a risk of fraud associated with an online account associated with a user that would result from performance by the user of each of a plurality of account maintenance actions, wherein the machine learning model is trained using historical instances of known fraud and lengths of time between account maintenance actions being performed associated with and leading up to the historical instances;
• determine, by the machine learning model, an account maintenance action with a highest likelihood of reducing the risk of fraud associated with the online account that would result from performance of the account maintenance action by the user;
• identify, by the machine learning model, a number of credits to offer to the user in exchange for performing the account maintenance action for the online account, wherein the credits are indicative of points that the user is able to redeem for a membership to a subscription-based service, wherein the number of credits is proportional to the highest likelihood of reducing the risk of fraud;
• transmit a prompt to a user interface on a device associated with the user associated with the online account offering the number of credits in exchange for performing the account maintenance action;
• verify that the user has performed the account maintenance action by querying a database to retrieve records associated with the online account and determining that information in the records associated with the account maintenance action has been added or changed by the user;
• and
• award the number of credits to the online account in response to verifying that the user has performed the account maintenance action.

A computer-implemented method for incentivizing user behavior, comprising:

• causing, by a computer system comprising a processor, information associated with an online account and a first indicator that credits can be earned for performing account maintenance actions associated with the online account, to be displayed to a user on a device;
• causing, by the computer system, a second indicator to be displayed to the user on the device indicating that a list of account maintenance actions will be available for a period of time and that the user can earn a membership to a subscription by completing at least a portion of the list of account maintenance actions;
• receiving, by the computer system, a notification that the first indicator has been selected by the user;
• identifying, by a machine learning model trained using historical instances of known fraud and lengths of time between account maintenance actions being performed associated with a leading up to the historical instances, one or more account maintenance actions for the user to perform based on information associated with the online account;
• determining, by the machine learning model, a likelihood of reducing a risk of fraud associated with the online account that would result from performance by the user of each of the identified one or more account maintenance actions;
• identifying, by the machine learning model, a number of credits to award for performing each of the identified one or more account maintenance actions, wherein the number of credits is proportional to the likelihood of reducing the risk of fraud;
• causing, by the computer system, the list of the account maintenance actions that can be performed by the user and the number of credits that can be earned in association with each of the account maintenance actions, to be displayed to the user on the device, the list comprising the one or more account maintenance actions identified by the machine learning model;
• receiving, by the computer system, a notification that the user has selected one of the one or more account maintenance actions identified by the machine learning model;
• verifying, by the computer system, that the user has performed the selected account maintenance action by querying a database to retrieve records associated with the online account and determining that information in the records associated with the selected account maintenance action has been added or changed by the user;
• adding, by the computer system, the number of credits associated with the performed account maintenance action to a sum total number of credits the user has earned;
• awarding, by the computer system, the membership to the subscription to the user in response to verifying that the user has completed the selected account maintenance action;
• and
• providing, by the computer system, information that causes a graphic to be displayed to the user on the device, the graphic indicating the sum total number of credits the user has earned.