Transaction evaluation based on a machine learning projection of future account status

A system comprising:

• a processor;
• and
• a memory storing instructions that, when executed by the processor, cause the processor to:
• receive a request from an inquiring entity regarding a subject entity performing a current automated clearing house (ACH) transaction;
• receive bank account data from an account associated with the subject entity, wherein the bank account data includes historical transaction data and balance data, and wherein the historical transaction data includes data associated with historical transactions that change a balance of the account;
• predict, by a transaction risk model, a projected balance in the account at a time of settlement of the current ACH transaction based on the bank account data;
• and
• generate, by the transaction risk model, a risk score for the current ACH transaction based on the historical transaction data and the projected balance, wherein the risk score identifies a likelihood that the balance of the account at the time of settlement will not contain enough funds to settle the current ACH transaction.

A non-transitory computer-readable storage medium storing instructions that when executed by a processor, cause the processor to:

• receive a request from an inquiring entity regarding a subject entity performing a current automated clearing house (ACH) transaction;
• receive bank account data from an account associated with the subject entity, wherein the bank account data includes historical transaction data and balance data, and wherein the historical transaction data includes data associated with historical transactions that change a balance of the account;
• predict, by a transaction risk model, a projected balance in the account at a time of settlement of the current ACH transaction based on the bank account data;
• and
• generate, by the transaction risk model, a risk score for the current ACH transaction based on the historical transaction data and the projected balance, wherein the risk score identifies a likelihood that the balance of the account at the time of settlement of the current ACH transaction will not contain enough funds to settle the current ACH transaction.