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.

Date of Patent:
Sep. 23, 2025

Filed:

Sep. 08, 2022
Applicant:

Chime Financial, Inc., San Francisco, CA (US);

Inventors:

Bhashinee Garg, Oakland, CA (US);

Nikita Uraltsev, Clayton, CA (US);

Arun Mehta, San Francisco, CA (US);

Sherin Thomas, San Francisco, CA (US);

Karthik Raj, Oakland, CA (US);

Jayanth Bharadwaj, New York, NY (US);

Lucas Kacher, Walnut Creek, CA (US);

Assignee:

Chime Financial, Inc., San Francisco, CA (US);

Attorney:
Primary Examiner:
Int. Cl.
CPC ...
G06F 16/25 (2019.01); G06F 8/65 (2018.01); G06F 16/21 (2019.01);
U.S. Cl.
CPC ...
G06F 16/258 (2019.01); G06F 8/65 (2013.01); G06F 16/212 (2019.01);
Abstract

This disclosure describes a schema modification system that, as part of an inter-network facilitation system, can intelligently generate and update payload schemas for maintaining compatibility across changing network components. For example, the disclosed systems utilize custom tooling to detect changes in component versions and to update payload schemas to translate digital payloads between components that require different payload formats (e.g., due to an update to one component or another). In some cases, the disclosed systems can utilize a code generator to generate a payload conversion code from a payload schema and can implement the payload conversion code to convert a digital payload from a source format to a target format (e.g., to pass from a source component to a target component). The disclosed systems can also utilize schema annotations that accompany a payload schema to perform various functions, including removing sensitive information and identifying third-party systems.


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