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:
Sep. 23, 2025
Filed:
Jun. 13, 2023
Chime Financial, Inc., San Francisco, CA (US);
Robert Luedeman, San Francisco, CA (US);
Paola Heneine, San Francisco, CA (US);
Qiulu Gong, San Francisco, CA (US);
Baishi Wu, Cambridge, MA (US);
Chime Financial, Inc., San Francisco, CA (US);
Abstract
The present disclosure relates to systems, non-transitory computer-readable media, and methods that, as part of an internetwork facilitation system, facilitate intelligent asset management through user interface elements that present selectable intelligent asset repayment models for user accounts. In particular, the systems can provide for display within a graphical user interface of a computing device corresponding to a user account, a selectable intelligent asset repayment element. Further, the systems can select an intelligent asset repayment model from a plurality of asset repayment models. Additionally, the systems can utilize the intelligent asset repayment model to transfer assets from the user account by: determining that the user account fails to satisfy an asset threshold corresponding to a deadline time, monitoring the user account for a post-deadline asset transfer; and in response to identifying the post-deadline asset transfer, initiating a digital transfer of assets from the user account according to an asset allocation hierarchy.