Computer system for automated decision-making on behalf of unavailable users

A computer system comprising:

• one or more memory units;
• and
• one or more processors in communication with the memory units, the one or more processors configured to:
• train at least one machine learning model based on historical financial data of a user and historical financial data of a population of users belonging to a substantially similar demographic as the user;
• determine, from the at least one machine learning model, historical financial behavior patterns of the user and historical financial behavior patterns of the population of users;
• generate computer-learned rules based on the historical financial behavior patterns of the user and the historical financial behavior patterns of the population of users;
• generate user-defined rules based on input received from the user, wherein the user-defined rules include one or more of user-defined priorities or user-defined boundaries;
• monitor financial behavior of the user in one or more financial accounts;
• determine a status change of the user in response to one of a status change indication received from a user device of the user or the monitored financial behavior of the user;
• in response to the status change of the user, assume control of the one or more financial accounts, wherein to assume control the one or more processors are configured to perform automated decision-making to manage the one or more financial accounts on behalf of the user;
• upon assuming control of the one or more financial accounts, automatically initiate a response to a payment event on behalf of the user, wherein to automatically initiate the response to the payment event on behalf of the user, the one or more processors are configured to:
• determine, based on output from the computer-learned rules, a set of responses by the user, wherein the set of likely responses includes one or more likely responses that are similar to actions previously made by the user, and wherein the one or more likely responses are one or more likely payment transactions with the one or more financial accounts in response to the payment event, and
• after determining the set of likely responses, compare the set of likely responses to the user-defined rules and select the response from the set of likely responses based on respective similarities, identified by the comparison, of the one or more likely responses included in the set of likely responses to the user-defined rules;
• and
• execute the response to the payment event on behalf of the user.

A computer-readable medium storing instructions that, when executed, cause one or more processors to:

• train at least one machine learning model based on historical financial data of a user and historical financial data of a population of users belonging to a substantially similar demographic as the user;
• determine, from the at least one machine learning model, historical financial behavior patterns of the user and historical financial behavior patterns of the population of users;
• generate computer-learned rules based on the historical financial behavior patterns of the user and the historical financial behavior patterns of the population of users;
• generate user-defined rules based on input received from the user, wherein the user-defined rules include one or more of user-defined priorities or user-defined boundaries;
• monitor financial behavior of the user in one or more financial accounts;
• determine a status change of the user in response to one of a status change indication received from a user device of the user or the monitored financial behavior of the user;
• in response to the status change of the user, assume control of the one or more financial accounts, wherein to assume control the instructions cause the one or more processor to perform automated decision-making to manage the one or more financial accounts on behalf of the user;
• upon assuming control of the user's financial accounts, automatically initiate a response to a payment event on behalf of the user, wherein to automatically initiate the response to the payment event on behalf of the user, the instructions cause the one or more processors to:
• determine, based on output from the computer-learned rules, a set of likely responses by the user, wherein the set of likely responses includes one or more likely responses that are similar to actions previously made by the user, and wherein the one or more likely responses are one or more likely payment transactions with the one or more financial accounts in response to the payment event, and
• after determining the set of likely responses, compare the set of likely responses to the user-defined rules and select the response from the set of likely responses based on respective similarities, identified by the comparison, of the one or more likely responses included in the set of likely responses to the user-defined rules;
• and
• execute the response to the payment event on behalf of the user.