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:
Mar. 10, 2026

Filed:

Sep. 16, 2022
Applicant:

Chime Financial, Inc.;

Inventors:

Bhashinee Garg, Oakland, CA (US);

Alex Kleissner, San Francisco, CA (US);

Bartlomiej Ogryczak, Concord, CA (US);

David Lyons, Oakland, CA (US);

Keerthi Nallani, Mountain House, CA (US);

Matt Taylor, San Francisco, CA (US);

Pengyue Li, Acton, MA (US);

Peter Baker, Pacheco, CA (US);

Renjie Xu, Fremont, CA (US);

Assignee:

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

Attorney:
Primary Examiner:
Int. Cl.
CPC ...
H04L 47/62 (2022.01); H04L 12/28 (2006.01); H04L 47/10 (2022.01);
U.S. Cl.
CPC ...
H04L 47/6225 (2013.01); H04L 12/2859 (2013.01); H04L 47/16 (2013.01);
Abstract

This disclosure describes a payload pipeline system that, as part of an inter-network facilitation system, can facilitate digital payload throughput between network components using a staggered payload relayer. For example, the disclosed systems utilize custom tooling to implement a staggered payload relayer as an intelligent conduit or pipeline that operates as a publisher-subscriber paradigm system (as opposed to a data stream system). In some cases, the disclosed systems can utilize synchronous or asynchronous communication to receive digital payloads for events from publisher network components and to make the digital payloads available within a payload queue maintained by the staggered payload relayer (for access by subscriber network components).


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