The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Feb. 13, 2024
Filed:
Sep. 15, 2020
Chime Financial, Inc., San Francisco, CA (US);
Ryan Alexander King, San Francisco, CA (US);
Michael Ducker, San Francisco, CA (US);
Tilo Sloboda, San Jose, CA (US);
Zachary Vaughn Smith, San Francisco, CA (US);
Chime Financial, Inc., San Francisco, CA (US);
Abstract
A real-time activity recommendation system receives an input from a user device regarding a targeted financial goal, such as a target credit score. Using machine learning models to evaluate patterns of user activity that contribute positively towards the goal, and to evaluate the limitations and opportunities of the user's financial circumstances and profile, the recommendation system makes an assessment in real time to determine user actions that can be taken to improve credit health based on a user's profile and activity data. A user-specific recommendation regarding an activity that should be performed to reach the goal is generated and transmitted to the user. User and third party activity is later monitored as the user's financial status changes over time, and the recommendations are updated accordingly.