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. 24, 2026

Filed:

Jan. 09, 2023
Applicant:

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

Inventors:

Anthea Maniulit, Walnut Creek, CA (US);

Austin Wang, Oakland, CA (US);

Catherine Paulson, San Francisco, CA (US);

Chris Marshall, Atlanta, GA (US);

Clem Akomea-Agyin, Oakland, CA (US);

Deivide Oliveira, Coquitlam, CA;

Devadas Mallya, Mountain View, CA (US);

Halfdan Hem, Ucluelet, CA;

Hugh Bien, San Jose, CA (US);

Jacqueline Chien, San Francisco, CA (US);

Luca Pellicoro, San Francisco, CA (US);

Marcus Vinson, Austin, TX (US);

Kuan-Wen (Martin) Lo, Fremont, CA (US);

Sally Eng, San Francisco, CA (US);

Sarah Lin Baxter, Austin, TX (US);

Siddhi Soman, San Francisco, CA (US);

Steven Holinaty, Port Moody, CA (US);

Yara Qattom, San Francisco, CA (US);

Andrew Maciver, Oakland, CA (US);

Assignee:

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

Attorney:
Primary Examiner:
Int. Cl.
CPC ...
G06Q 20/10 (2012.01); G06Q 20/38 (2012.01); G06Q 20/40 (2012.01); G06Q 30/01 (2023.01); G06Q 30/014 (2023.01); G06Q 30/015 (2023.01); G06Q 40/02 (2023.01);
U.S. Cl.
CPC ...
G06Q 20/407 (2013.01); G06Q 20/102 (2013.01);
Abstract

This disclosure describes a pending debit dispute resolution system that, as part of an inter-network facilitation system, can intelligently select models for resolving debit transaction disputes across computer networks while providing user interfaces and options for client devices to initiate debit transaction disputes when a debit transaction is in a pending state. For example, the pending debit dispute resolution system can receive and identify reported issue communications about debit transactions from client devices while debit transactions are pending. The pending debit dispute resolution system can identify issue classifications and monitor settlement computer networks to identify status change classifications corresponding to the debit transactions. Based on the issue classifications and the status change classifications, the pending debit reported issue resolution system can select a dispute filing model/approach for resolving the reported issue communication.


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