Patents by Inventor Aoni Wang

Aoni Wang has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).

  • Patent number: 12260453
    Abstract: The disclosure describes embodiments of systems, methods, and non-transitory computer readable storage media that utilize a variety of machine learning models and a base limit value model to generate user interface elements that transparently and efficiently present current and future base limit values for user accounts. For example, the disclosed systems can utilize a machine learning model to determine a base limit value, subsequent base limit value, and user activity conditions to achieve the subsequent base limit value for a user account. Then, the disclosed systems can display a base limit progress element that indicates progress towards fulfilling the user activity conditions to achieve the subsequent base limit value. For example, the disclosed systems can display, within a graphical user interface, multiple base limit progress elements that indicate progress towards fulfilling the user activity conditions in separate time-based segments (e.g.
    Type: Grant
    Filed: March 4, 2024
    Date of Patent: March 25, 2025
    Assignee: Chime Financial, Inc.
    Inventors: Erin Xie, Aashna Agarwal, Aoni Wang, Braden Staudacher, Dennis Jiang, Lucy Liu
  • Publication number: 20240346577
    Abstract: The disclosure describes embodiments of systems, methods, and non-transitory computer readable storage media that utilize a variety of machine learning models and a base limit value model to generate user interface elements that transparently and efficiently present current and future base limit values for user accounts. For example, the disclosed systems can utilize a machine learning model to determine a base limit value, subsequent base limit value, and user activity conditions to achieve the subsequent base limit value for a user account. Then, the disclosed systems can display a base limit progress element that indicates progress towards fulfilling the user activity conditions to achieve the subsequent base limit value. For example, the disclosed systems can display, within a graphical user interface, multiple base limit progress elements that indicate progress towards fulfilling the user activity conditions in separate time-based segments (e.g.
    Type: Application
    Filed: March 4, 2024
    Publication date: October 17, 2024
    Inventors: Erin Xie, Aashna Agarwal, Aoni Wang, Braden Staudacher, Dennis Jiang, Lucy Liu
  • Publication number: 20240242269
    Abstract: The disclosure describes embodiments of systems, methods, and non-transitory computer readable storage media that utilize a deposit transaction predictor model to facilitate downstream access to deposit transaction prediction data through a data pipeline. For instance, the disclosed systems can enable universal access to deposit transaction prediction data to various downstream services by utilizing a data pipeline that identifies data for a user account from various data sources, transforming the data into deposit transaction prediction data utilizing a deposit transaction predictor model, and updating a deposit transaction prediction data source with the deposit transaction prediction data. For instance, the disclosed systems can utilize the deposit transaction predictor model to analyze various user account data to determine patterns that indicate deposit transaction prediction data.
    Type: Application
    Filed: January 12, 2023
    Publication date: July 18, 2024
    Inventors: Elle Creel, Ankit Jain, Aoni Wang, Carl Cummings, Daniel Cash, Di Mo, James Sheak, Meeri Shin, Michael Homnick, Michael Stumpo, Polina Munoz, Victoria Palmiotto, Xuanxing Xiong, Yiyang Zeng, Akhil Naini
  • Publication number: 20240202686
    Abstract: The disclosure describes embodiments of systems, methods, and non-transitory computer readable storage media that utilize deposit transaction prediction data from a deposit transaction predictor model to generate a graphical user interface (GUI) that indicates an available deposit balance and options for the available deposit balance. Indeed, the disclosed systems can enable access to an available deposit balance on a user account prior to an occurrence of a predicted deposit transaction as indicated by the deposit transaction predictor model. For example, the disclosed systems can receive deposit transaction prediction data from a data pipeline that includes a deposit transaction predictor model. Moreover, the disclosed systems can determine an available deposit balance from the deposit transaction prediction data.
    Type: Application
    Filed: January 12, 2023
    Publication date: June 20, 2024
    Inventors: Elle Creel, Ankit Jain, Aoni Wang, Carl Cummings, Daniel Cash, Di Mo, James Sheak, Meeri Shin, Michael Homnick, Michael Stumpo, Polina Munoz, Victoria Palmiotto, Xuanxing Xiong, Yiyang Zeng, Akhil Naini
  • Patent number: 11966972
    Abstract: The disclosure describes embodiments of systems, methods, and non-transitory computer readable storage media that utilize a machine learning model and a credit value model to generate user interface elements that present credit values and credit value conditions in real time for user accounts. For instance, the disclosed systems can generate an activity score using an activity machine learning model with internal user activity data of a user account. Then, utilizing a credit value model with the activity score and a user activity condition, the disclosed systems can determine a dynamic credit value range for the user account. Indeed, the disclosed systems can display user interface elements with selectable credit values from the dynamic credit value range. Additionally, the disclosed systems can utilize the credit value model to determine and display one or more dynamic credit value conditions for a selected credit value received from the selectable credit values.
    Type: Grant
    Filed: June 24, 2022
    Date of Patent: April 23, 2024
    Assignee: Chime Financial, Inc.
    Inventors: Aaron Plante, Aditya Narula, Akhil Naini, Aoni Wang, Baishi Wu, Brooke Fraser, Emily Bernier, James Sheak, Matt McCormick, Paola Heneine, Rakesh Vemulapally, Robert Luedeman, Shashank Gadda, Victoria Palmiotto
  • Patent number: 11922491
    Abstract: The disclosure describes embodiments of systems, methods, and non-transitory computer readable storage media that utilize a variety of machine learning models and a base limit value model to generate user interface elements that transparently and efficiently present current and future base limit values for user accounts. For example, the disclosed systems can utilize a machine learning model to determine a base limit value, subsequent base limit value, and user activity conditions to achieve the subsequent base limit value for a user account. Then, the disclosed systems can display a base limit progress element that indicates progress towards fulfilling the user activity conditions to achieve the subsequent base limit value. For example, the disclosed systems can display, within a graphical user interface, multiple base limit progress elements that indicate progress towards fulfilling the user activity conditions in separate time-based segments (e.g.
    Type: Grant
    Filed: December 6, 2022
    Date of Patent: March 5, 2024
    Assignee: Chime Financial, Inc.
    Inventors: Erin Xie, Aashna Agarwal, Aoni Wang, Braden Staudacher, Dennis Jiang, Lucy Liu
  • Publication number: 20230222578
    Abstract: The disclosure describes embodiments of systems, methods, and non-transitory computer readable storage media that utilize a machine learning model and a credit value model to generate user interface elements that present credit values and credit value conditions in real time for user accounts. For instance, the disclosed systems can generate an activity score using an activity machine learning model with internal user activity data of a user account. Then, utilizing a credit value model with the activity score and a user activity condition, the disclosed systems can determine a dynamic credit value range for the user account. Indeed, the disclosed systems can display user interface elements with selectable credit values from the dynamic credit value range. Additionally, the disclosed systems can utilize the credit value model to determine and display one or more dynamic credit value conditions for a selected credit value received from the selectable credit values.
    Type: Application
    Filed: June 24, 2022
    Publication date: July 13, 2023
    Inventors: Aaron Plante, Aditya Narula, Akhil Naini, Aoni Wang, Baishi Wu, Brooke Fraser, Emily Bernier, James Sheak, Matt McCormick, Paola Heneine, Rakesh Vemulapally, Robert Luedeman, Shashank Gadda, Victoria Palmiotto
  • Patent number: 11386490
    Abstract: The disclosure describes embodiments of systems, methods, and non-transitory computer readable storage media that utilize a machine learning model and a credit value model to generate user interface elements that present credit values and credit value conditions in real time for user accounts. For instance, the disclosed systems can generate an activity score using an activity machine learning model with internal user activity data of a user account. Then, utilizing a credit value model with the activity score and a user activity condition, the disclosed systems can determine a dynamic credit value range for the user account. Indeed, the disclosed systems can display user interface elements with selectable credit values from the dynamic credit value range. Additionally, the disclosed systems can utilize the credit value model to determine and display one or more dynamic credit value conditions for a selected credit value received from the selectable credit values.
    Type: Grant
    Filed: January 12, 2022
    Date of Patent: July 12, 2022
    Assignee: Chime Financial, Inc.
    Inventors: Aaron Plante, Aditya Narula, Akhil Naini, Aoni Wang, Baishi Wu, Brooke Fraser, Emily Bernier, James Sheak, Matt McCormick, Paola Heneine, Rakesh Vemulapally, Robert Luedeman, Shashank Gadda, Victoria Palmiotto