US 11,704,747 B1
Determining base limit values for contacts based on inter-network user interactions
Shalva Kashmadze, San Francisco, CA (US); Elyse Lefebvre, San Francisco, CA (US); Dennis Jiang, San Francisco, CA (US); Akshat Khandelwal, San Francisco, CA (US); Aaron Plante, Delray Beach, FL (US); Rakesh Vemulapally, Foster City, CA (US); Shashank Gadda, Dublin, CA (US); and Lynne Cai, San Francisco, CA (US)
Assigned to Chime Financial, Inc., San Francisco, CA (US)
Filed by Chime Financial, Inc., San Francisco, CA (US)
Filed on Mar. 28, 2022, as Appl. No. 17/656,816.
Int. Cl. G06Q 50/00 (2012.01); G06F 3/04847 (2022.01); G06F 3/04842 (2022.01); G06Q 20/06 (2012.01)
CPC G06Q 50/01 (2013.01) [G06F 3/04842 (2013.01); G06F 3/04847 (2013.01); G06Q 20/0655 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A computer-implemented method comprising:
utilizing a trained activity machine learning model to generate a first activity score from a first set of activity data corresponding to a user having a first user asset account;
utilizing the trained activity machine learning model to generate a second activity score from a second set of activity data corresponding to a contact having a second user asset account;
determining a first base limit value for the first user asset account from the first activity score utilizing a base limit value model, wherein the first base limit value represents an excess utilization buffer for the first user asset account;
determining a second base limit value for the second user asset account from the second activity score utilizing the base limit value model;
determining, based on the first base limit value, a threshold number of base limit increases that can be sent from the user;
providing, for display within a graphical user interface of a computing device corresponding to the user and based on the threshold number of base limit increases, a plurality of base limit increase elements corresponding to a plurality of contacts;
receiving an indication of a selection of a base limit increase element of the plurality of base limit increase elements corresponding to the contact of the plurality of contacts;
in response to receiving the indication of the selection, providing, for display within an additional graphical user interface of a computing device corresponding to the contact;
a notification indicating an increase of the second base limit value for the second user asset account of the contact; and
an additional base limit increase element corresponding to the user for providing an increased base limit value for the first user asset account; and
in response to receiving an indication of a selection of the additional base limit increase element from the computing device corresponding to the contact, increasing the first base limit value corresponding the first user asset account and modifying the threshold number of base limit increases that can be sent from the user.