Bridging network transaction platforms to unify cross-platform transfers

US11966887B1 · kind B1 · utility

Assignee

• Chime Financial, Inc. · US

Inventors

• Richard Vorp · Walnut Creek, US
• Geetha Premraj · Livermore, US
• Michael Ducker · San Francisco, US
• Priyanka Seth · San Jose, US
• Praveen Jain · Gatineau, CA
• Fletcher Fowler · Portsmouth, US

Key dates

• Filing date: Oct 27, 2022
• Grant date: Apr 23, 2024
• Expiry date: Oct 27, 2042

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q20/108
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

The disclosure describes embodiments of systems, methods, and non-transitory computer readable storage media that enable network transactions between user accounts belonging to different network transaction platforms and unify user account modifications across user accounts on different network transaction platforms. For instance, the disclosed systems can cause two or more network transaction platforms to transmit and/or receive transactional values from one or more intermediary holding accounts upon receiving network transaction requests between user accounts belonging to the two or more network transaction platforms. In addition, the disclosed system can unify user account data on different network transaction platforms by modifying or updating the user account data (e.g., user attributes) by propagating schematized data messages to the one or more other network transaction platforms with instructions to modify or update the user attributes on other user accounts related to the user account.