Machine learning engine using following link selection

A method comprising:

• receiving, by a computer system, a unique digital identifier for a stored value digital resource with a request to use the stored value digital resources by a first user via first user interface (UI) provided by the computer system that enables using at least the stored value digital resource, wherein the first UI is presented based on a navigation event via a link selection from the first UI;
• determining, by the computer system, whether the first user has an indication of fraud;
• determining, by the computer system, a time of a creation of the stored value digital resource by a second user using a funding instrument and whether the funding instrument is associated with a reversed transaction after the time of the creation of the stored value digital resource;
• accessing, by the computer system in real-time, data associated with whether the first user has the indication of fraud and data associated with the funding instrument, wherein the data is current at the time of the request;
• executing, by the computer system, a machine learning engine based on a plurality of classification features associated with whether the first user has an indication of fraud or whether the funding instrument is associated with a reversed transaction, wherein the executing the machine learning engine is further based on factors and weights applied to the data;
• determining, by the computer system, based on one or more outputs from executing the machine learning engine and a fraud threshold associated with the request, a fraud assessment output, wherein the fraud assessment output corresponds to whether the stored value digital resource was fraudulently created or the first user is acting fraudulently by claiming the stored value digital resource;
• and
• executing, by the computer system, an action to permit or deny using the stored value digital resource by the first user via a second UI of the computer system based on the fraud assessment output.

A non-transitory computer-readable medium having stored thereon instructions that, when executed by a processor of a computer system, cause the processor of the computer system to perform operations comprising:

• detecting an indication of a request to use a stored digital value by a first user device of a first user via a user interface (UI) element electronically presented in a first UI of an application of an online transaction processor that facilitates uses of stored digital values, wherein the UI element is associated with a navigation link to the application, and wherein the indication is associated with a selection of the navigation link via the UI element that causes the first user device to be directed to the first UI in the application;
• determining fraud data associated with the first user based on a first user device identifier of the first user device;
• accessing, in real-time, the fraud data and the historical data, wherein the fraud data and the historical data are current at a time of the request;
• processing the fraud data and the historical data using a machine learning engine, wherein the processing is further based on factors and weights applied to the fraud data and the historical data, and wherein the processing comprises:
• determining data for input features of the machine learning engine based on the fraud data and the historical data,
• executing the machine learning engine based on the data, the input features, and a machine learning process of the machine learning engine, and
• outputting a fraud assessment based on the executing and a fraud threshold associated with the request;
• and
• based on the fraud assessment, redirecting the first UI to one of a second UI or a third UI based on the request, wherein the second UI facilitates redeeming the stored digital value responsive to the request, and wherein the third UI facilitates preventing access to the stored digital value responsive to the request.