Chime Financial, Inc.

Fletcher Fowler

Praveen Jain

Michael Ducker

Roman Lisagor

Priyanka Seth

Geetha Premraj

Richard Vorp

This disclosure describes a vector configurator system that, as part of an inter-network facilitation system, can generate and utilize transaction vectors for facilitating network transactions among digital accounts of an inter-network facilitation system. For example, the disclosed systems can generate a transaction vector that includes a unique set of key attributes defining parameters for a network transaction and that further includes a ledger specification indicating computer code for how to execute the network transaction. Upon receiving a transaction request, the disclosed systems can access a repository of transaction vectors to determine whether a corresponding vector exists for the request. The disclosed systems can either validate or reject the transaction request based on the existence or nonexistence of a transaction vector for the request. The disclosed systems can further execute or process a network transaction for the request according to a stored transaction vector corresponding to the request.

Generating transaction vectors for facilitating network transactions

The disclosure describes embodiments of systems, methods, and non-transitory computer readable storage media that enable network transactions between user accounts belonging to different network transaction platforms and unify user account modifications across user accounts on different network transaction platforms. For instance, the disclosed systems can cause two or more network transaction platforms to transmit and/or receive transactional values from one or more intermediary holding accounts upon receiving network transaction requests between user accounts belonging to the two or more network transaction platforms. In addition, the disclosed system can unify user account data on different network transaction platforms by modifying or updating the user account data (e.g., user attributes) by propagating schematized data messages to the one or more other network transaction platforms with instructions to modify or update the user attributes on other user accounts related to the user account.

Bridging network transaction platforms to unify cross-platform transfers

Growing community of inventors

Portsmouth, NH, United States of America

Fletcher Fowler