User profiling based on transaction data associated with a user

A device, comprising:

• one or more memories;
• and
• one or more processors, coupled to the one or more memories, configured to:
• analyze, based on receiving access information, a first transaction log of a transaction account of a user;
• determine, based on transactions of the first transaction log, a qualification status of the user,
• wherein the qualification status indicates that a characteristic of the user satisfies a threshold qualification metric;
• determine, based on the qualification status, a transaction-based score associated with the user,
• wherein the transaction-based score is determined using a transaction log analysis model comprising a machine learning model that is trained based on:
• historical data associated with previous transactions of other second transaction logs, and
• previous scores associated with users of the other second transaction logs;
• provide a link to a user device associated with the user,
• wherein the link enables a communication session between the user device and an external user-scoring platform, and
• wherein a message is transmitted to a messaging account associated with the user based on the communication session being established based on the link;
• process, based on accessing the messaging account, a plurality of messages, including the message, in the messaging account;
• obtain, based on processing the plurality of messages, a user score associated with a user transaction history that is associated with a plurality of transaction accounts that are associated with the user and different from the transaction account;
• determine a difference between the transaction-based score and the user score;
• retrain, by the device, and based on the difference and the first transaction log, the machine learning model;
• and
• perform an action based on the transaction-based score and the user score.

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:
• analyze, based on receiving access information, a first transaction log of a transaction account of a user;
• determine, based on transactions of the first transaction log, a qualification status of the user,
• wherein the qualification status indicates that a characteristic of the user satisfies a threshold qualification metric;
• determine, based on the qualification status, a transaction-based score associated with the user,
• wherein the transaction-based score is determined using a transaction log analysis model comprising a machine learning model that is trained based on:
• historical data associated with previous transactions of other second transaction logs, and
• previous scores associated with users of the other second transaction logs;
• provide a link to a user device associated with the user,
• wherein the link enables a communication session between the user device and an external user-scoring platform, and
• wherein a message is transmitted to a messaging account associated with the user based on the communication session being established based on the link;
• process, based on accessing the messaging account, a plurality of messages, including the message, in the messaging account;
• obtain, based on processing the plurality of messages, a user score associated with a user transaction history that is associated with a plurality of transaction accounts that are associated with the user and different from the transaction account;
• determine a difference between the transaction-based score and the user score;
• retrain, by the device, and based on the difference and the first transaction log, the machine learning model;
• and
• perform an action based on the transaction-based score and the user score.