Incentive management platform

A device, comprising:

• one or more memories;
• and
• one or more processors, communicatively coupled to the one or more memories, configured to:
• determine an incentive associated with a merchant that is associated with a merchant device,
• wherein availability of the incentive, for a user, is based on satisfaction of one or more conditions associated with a transaction account that is associated with the user, and
• wherein the incentive is determined to increase a probability of the user maintaining a status of the transaction account;
• receive, from a user device, credentials for the transaction account;
• determine a validity of the credentials for the transaction account;
• provide, to the merchant device and based on determining the validity of the credentials, an open authorization (OAuth) token that enables the merchant device to access limited information about the transaction account including an indication of an incentive status associated with the user,
• wherein the incentive status is associated with the transaction account, and
• wherein the incentive status indicates whether the incentive is available for the user,
• wherein the incentive is provided by a third-party merchant, and
• wherein the merchant device is associated with the third-party merchant;
• receive, from the merchant device, an incentive status request,
• wherein the incentive status request includes the OAuth token;
• determine that the OAuth token is valid and is associated with the transaction account;
• generate, based on determining that the OAuth token is valid and is associated with the transaction account, a transaction account score based on a weighted combination of the one or more conditions;
• determine, based on determining that the transaction account score satisfies a threshold, a current incentive status for the incentive;
• and
• provide, to the merchant device, the indication of the current incentive status for the incentive,
• wherein the indication of the current incentive status enables the merchant device to determine whether to apply the incentive to a user account associated with the user.

A non-transitory computer-readable medium storing instructions, the instructions comprising:

• one or more instructions that, when executed by one or more processors, cause the one or more processors to:
• determine an incentive associated with a merchant that is associated with a merchant device,
• wherein availability of the incentive, for a user, is based on satisfaction of one or more conditions associated with a transaction account that is associated with the user, and
• wherein the incentive is determined, using a machine learning process, to increase a probability of the user maintaining a status of the transaction account;
• receive, from a user device, a request for an open authorization (OAuth) token,
• wherein the request for the OAuth token comprises credentials for the transaction account and an identification of the merchant device that enables the merchant device to access limited information about the transaction account;
• provide, to the merchant device and based on determining a validity of the credentials, authorization information enabling access to information about the transaction account including an indication of an incentive status associated with the user,
• wherein the incentive status is associated with the transaction account, and
• wherein the incentive status indicates whether the incentive is available for the user,
• wherein the incentive is provided by a third-party merchant, and
• wherein the merchant device is associated with the third-party merchant;
• receive, from the merchant device, an incentive status request,
• wherein the incentive status request includes the OAuth token;
• determine that the OAuth token is valid and is associated with the transaction account;
• generate, based on determining that that the OAuth token is valid and is associated with the transaction account, a transaction account score based on a weighted combination of the one or more conditions;
• determine, based on determining that the transaction account score satisfies a threshold, a current incentive status for the incentive;
• and
• provide, to the merchant device, the indication of the current incentive status for the incentive,
• wherein the indication of the current incentive status enables the merchant device to determine whether to apply the incentive to a user account associated with the user.