Ingesting, augmenting, and querying records across user accounts

A non-transitory computer-readable storage medium storing instructions that, when executed by a computing system, cause the computing system to perform a process for ingesting, augmenting, and querying records across user accounts, the process comprising:

• ingesting records from a plurality of user accounts, wherein a first and second of the user accounts are hosted by different service providers, and the first and second user accounts comprise different ones of a credit card account, a debit card account, and a digital wallet account;
• processing the records to identify transactions and transaction parameters, wherein the identified transaction parameters include transaction times, entities that are parties to the transactions, and sums for the transactions;
• predicting, by a machine learning model for each of a first portion of the transactions, a parent transaction entity, wherein the machine learning model predicts a same parent entity for multiple of the first portion of transactions that comprise different identified entities;
• augmenting at least a portion of the identified transactions with metadata, wherein the augmented metadata comprises at least the parent transaction entity for the first portion of the transactions and a digital receipt for a second portion of the transactions;
• receiving a logical query comprising query parameters that include an entity parameter;
• retrieving a set of the identified transactions that match the query parameters, wherein transactions of the set comprise transaction parameters and/or augmented metadata that matches the entity parameter from the logical query, and the set of transactions are from records that span the first and second user accounts;
• grouping first transactions of the set of transactions according to their parent entity;
• and
• displaying the first transactions grouped according to their parent entity.

A computing system for ingesting, augmenting, and querying records across user accounts, the computing system comprising:

• one or more processors;
• and
• one or more memories storing instructions that, when executed by the one or more processors, cause the computing system to perform a process comprising:
• ingesting records from a plurality of user accounts, wherein a first and second of the user accounts are hosted by different service providers, and the first and second user accounts comprise different ones of a credit card account, a debit card account, and a digital wallet account;
• processing the records to identify transactions and transaction parameters, wherein the identified transaction parameters include transaction times, entities that are parties to the transactions, and sums for the transactions;
• predicting, by a machine learning model for each of a first portion of the transactions, a parent transaction entity, wherein the machine learning model predicts a same parent entity for multiple of the first portion of transactions that comprise different identified entities;
• augmenting at least a portion of the identified transactions with metadata, wherein the augmented metadata comprises at least the parent transaction entity for the first portion of the transactions and a digital receipt for a second portion of the transactions;
• receiving a logical query comprising parameters that include an entity parameter;
• retrieving a set of the identified transactions that match the query parameters, wherein transactions of the set comprise transaction parameters and/or augmented metadata that matches the entity parameter from the logical query, and the set of transactions are from records that span the first and second user accounts;
• grouping first transactions of the set of transactions according to their parent entity;
• and
• displaying the first transactions grouped according to their parent entity.