Systems and methods for automatic classification of loan consolidation interactions and outcomes

A method, comprising:

• collecting a training set of loan interactions between entities, wherein the training set of loan interactions comprises a set of loan consolidation transactions;
• receiving, using an interface circuit, a set of interactions of parties with a set of user interfaces involved in a set of consolidation processes;
• iteratively training an artificial intelligence model of an automation circuit on the training set of loan interactions and the set of interactions of the parties with the set of user interfaces to output an operation value corresponding to a predicted outcome of a consolidation of the set of loans;
• automatically implementing a consolidation operation corresponding to the operation value via a first application programming interface (API), the consolidation operation including one or more condition steps that are conditionally executed based on monitored conditions from a data collection circuit;
• and
• reinforcing the artificial intelligence model based on an outcome of the consolidation operation by:
• monitoring, via the data collection circuit, outcome data corresponding to the outcome of the consolidation operation;
• generating, using the artificial intelligence model, a comparison of the operation value with the outcome data;
• and
• automatically updating parameters of the artificial intelligence model based on the comparison;
• automatically implementing subsequent consolidation operations for a set of loans via the first API based on outputs of the reinforced artificial intelligence model, wherein at least one of the subsequent consolidation operations comprises:
• receiving asset data for a set of assets corresponding to the set of loans;
• and
• executing a clustering algorithm to identify a plurality of assets that share at least one attribute with the set of assets;
• and
• classifying candidates for consolidation based on the asset data for the set of assets and additional marketplace data associated with the plurality of assets that share at least one attribute with the set of assets.

A system, comprising:

• a data collection circuit structured to collect a training set of loan interactions between entities, wherein the training set of loan interactions comprises a set of loan consolidation transactions;
• an interface circuit structured to receive a set of interactions of parties with a set of user interfaces involved in a set of consolidation processes;
• and
• an automation circuit structured to:
• iteratively train an artificial intelligence model on the training set of loan interactions and the set of interactions of the parties with the set of user interfaces to output a predicted outcome of a respective consolidation,
• automatically implement a consolidation operation via a first application programming interface (API), the consolidation operation including one or more conditional steps that are conditionally executed based on monitored conditions from the data collection circuit;
• reinforce the artificial intelligence model based on an outcome of the consolidation operation by:
• monitoring, via the data collection circuit, outcome data corresponding to the outcome of the consolidation operation;
• generating a comparison of an operation value generated by the artificial intelligence model with the outcome data;
• and
• automatically updating parameters of the artificial intelligence model based on the comparison;
• and
• automatically implement subsequent consolidation operations for a set of loans via the first API based on outputs of the reinforced artificial intelligence model, wherein at least one of the subsequent consolidation operations comprises:
• receiving asset data from for a set of assets corresponding to the set of loans;
• and
• executing a clustering algorithm to identify a plurality of assets that share at least one attribute with the set of assets;
• and
• classifying candidates for consolidation based on the asset data and additional marketplace data associated with the plurality of assets that share at least one attribute with the set of assets.