Facilitating intelligent asset management utilizing graphical user interfaces comprising dynamic asset management user interface elements

US12423662B2 · kind B2 · utility

Assignee

• Chime Financial, Inc. · US

Inventors

• Robert Luedeman · San Francisco, US
• Paola Heneine · San Francisco, US
• Qiulu Gong · San Francisco, US
• Baishi Wu · Cambridge, US

Key dates

• Filing date: Jun 13, 2023
• Grant date: Sep 23, 2025
• Expiry date: Jul 19, 2043

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q40/03
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

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.