US 11,966,972 B2
Generating graphical user interfaces comprising dynamic credit value user interface elements determined from a credit value model
Aaron Plante, Delray Beach, FL (US); Aditya Narula, San Jose, CA (US); Akhil Naini, New York, NY (US); Aoni Wang, Redwood City, CA (US); Baishi Wu, Cambridge, MA (US); Brooke Fraser, San Francisco, CA (US); Emily Bernier, San Francisco, CA (US); James Sheak, San Mateo, CA (US); Matt McCormick, San Francisco, CA (US); Paola Heneine, San Francisco, CA (US); Rakesh Vemulapally, Foster City, CA (US); Robert Luedeman, San Francisco, CA (US); Shashank Gadda, Dublin, CA (US); and Victoria Palmiotto, Oakland, CA (US)
Assigned to Chime Financial, Inc., San Francisco, CA (US)
Filed by Chime Financial, Inc., San Francisco, CA (US)
Filed on Jun. 24, 2022, as Appl. No. 17/808,890.
Application 17/808,890 is a continuation of application No. 17/574,391, filed on Jan. 12, 2022, granted, now 11,386,490.
Prior Publication US 2023/0222578 A1, Jul. 13, 2023
Int. Cl. G06Q 40/02 (2023.01); G06Q 40/03 (2023.01); H04L 67/04 (2022.01)
CPC G06Q 40/03 (2023.01) [H04L 67/04 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A computer-implemented method comprising:
selecting an activity machine learning model from a plurality of activity machine learning models based on a user activity duration corresponding to a user account, wherein:
the plurality of activity machine learning models are trained based on historical transaction activity to predict activity scores corresponding to user classes having different user activity durations, and
the plurality of activity machine learning models comprise neural networks or decision tree models;
generating an activity score utilizing the activity machine learning model from internal user activity data corresponding to the user account;
determining, utilizing a credit value model, a credit value range and one or more credit value conditions from the activity score; and
providing, for display via a computing device corresponding to the user account, credit values from the credit value range and the one or more credit value conditions.