Patents by Inventor Victoria Palmiotto

Victoria Palmiotto 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: 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
  • 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