Patents by Inventor Fletcher Fowler

Fletcher Fowler 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: 12572903
    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.
    Type: Grant
    Filed: April 22, 2024
    Date of Patent: March 10, 2026
    Assignee: Chime Financial, Inc.
    Inventors: Richard Vorp, Geetha Premraj, Michael Ducker, Priyanka Seth, Praveen Jain, Fletcher Fowler
  • Publication number: 20250173691
    Abstract: This disclosure describes a vector configurator system that, as part of an inter-network facilitation system, can generate and utilize transaction vectors for facilitating network transactions among digital accounts of an inter-network facilitation system. For example, the disclosed systems can generate a transaction vector that includes a unique set of key attributes defining parameters for a network transaction and that further includes a ledger specification indicating computer code for how to execute the network transaction. Upon receiving a transaction request, the disclosed systems can access a repository of transaction vectors to determine whether a corresponding vector exists for the request. The disclosed systems can either validate or reject the transaction request based on the existence or nonexistence of a transaction vector for the request.
    Type: Application
    Filed: August 27, 2024
    Publication date: May 29, 2025
    Inventors: Roman Lisagor, Praveen Jain, Fletcher Fowler
  • Publication number: 20240362596
    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.
    Type: Application
    Filed: April 22, 2024
    Publication date: October 31, 2024
    Inventors: Richard Vorp, Geetha Premraj, Michael Ducker, Priyanka Seth, Praveen Jain, Fletcher Fowler
  • Patent number: 12079787
    Abstract: This disclosure describes a vector configurator system that, as part of an inter-network facilitation system, can generate and utilize transaction vectors for facilitating network transactions among digital accounts of an inter-network facilitation system. For example, the disclosed systems can generate a transaction vector that includes a unique set of key attributes defining parameters for a network transaction and that further includes a ledger specification indicating computer code for how to execute the network transaction. Upon receiving a transaction request, the disclosed systems can access a repository of transaction vectors to determine whether a corresponding vector exists for the request. The disclosed systems can either validate or reject the transaction request based on the existence or nonexistence of a transaction vector for the request.
    Type: Grant
    Filed: August 24, 2022
    Date of Patent: September 3, 2024
    Assignee: Chime Financial, Inc.
    Inventors: Roman Lisagor, Praveen Jain, Fletcher Fowler
  • Publication number: 20240144201
    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.
    Type: Application
    Filed: October 27, 2022
    Publication date: May 2, 2024
    Inventors: Richard Vorp, Geetha Premraj, Michael Ducker, Priyanka Seth, Praveen Jain, Fletcher Fowler
  • Patent number: 11966887
    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.
    Type: Grant
    Filed: October 27, 2022
    Date of Patent: April 23, 2024
    Assignee: Chime Financial, Inc.
    Inventors: Richard Vorp, Geetha Premraj, Michael Ducker, Priyanka Seth, Praveen Jain, Fletcher Fowler
  • Publication number: 20240070628
    Abstract: This disclosure describes a vector configurator system that, as part of an inter-network facilitation system, can generate and utilize transaction vectors for facilitating network transactions among digital accounts of an inter-network facilitation system. For example, the disclosed systems can generate a transaction vector that includes a unique set of key attributes defining parameters for a network transaction and that further includes a ledger specification indicating computer code for how to execute the network transaction. Upon receiving a transaction request, the disclosed systems can access a repository of transaction vectors to determine whether a corresponding vector exists for the request. The disclosed systems can either validate or reject the transaction request based on the existence or nonexistence of a transaction vector for the request.
    Type: Application
    Filed: August 24, 2022
    Publication date: February 29, 2024
    Inventors: Roman Lisagor, Praveen Jain, Fletcher Fowler
  • Publication number: 20230394478
    Abstract: The disclosure describes embodiments of systems, methods, and non-transitory computer readable storage media that generates and publishes unified transaction streams from a plurality of computer networks for downstream computer service systems. In particular, in one or more embodiments, the disclosed systems identify transaction information over time from a variety of different transaction computer networks. For example, the disclosed systems identify different transaction events at different times from different transaction computer networks that utilize individual transaction schemas. The disclosed systems dynamic ally convert and combine these transaction events in real time to generate and publish a unified transaction stream for utilization by a variety of computer service systems.
    Type: Application
    Filed: June 3, 2022
    Publication date: December 7, 2023
    Inventors: Jacques Fuentes, Rajesh Mancheri, Praveen Jain, David Lyons, Fletcher Fowler, Michael Soares