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:
Feb. 10, 2026

Filed:

Oct. 31, 2023
Applicant:

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

Inventors:

Aoni Wang, Redwood City, CA (US);

Erin Xie, San Francisco, CA (US);

Assignee:

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

Attorney:
Primary Examiner:
Int. Cl.
CPC ...
G06Q 40/02 (2023.01);
U.S. Cl.
CPC ...
G06Q 40/02 (2013.01);
Abstract

The disclosure describes embodiments of systems, methods, and non-transitory computer readable storage media dynamically track, utilize, and display one or more base limit value modifiers to modify base limit values for user accounts, determined utilizing a variety of machine learning models and a base limit value model. For instance, the disclosed systems can utilize a variety of machine learning models and a base limit value model to generate a base limit value for a user account. Moreover, the disclosed systems can detect digital user account actions and generate base limit value modifiers for the digital user account actions. Furthermore, the disclosed systems can dynamically determine and display, utilizing a total base limit value modifier threshold, user interface elements indicating active base limit value modifiers that modify a displayed base limit value and/or inactive base limit value modifiers that do not affect the base limit value.


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