Patents by Inventor Zachary Vaughn Smith

Zachary Vaughn Smith 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).

  • GENERATING CREDIT BUILDING RECOMMENDATIONS THROUGH MACHINE LEARNING ANALYSIS OF USER ACTIVITY-BASED FEEDBACK
    Publication number: 20240346579
    Abstract: A real-time activity recommendation system receives an input from a user device regarding a targeted financial goal, such as a target credit score. Using machine learning models to evaluate patterns of user activity that contribute positively towards the goal, and to evaluate the limitations and opportunities of the user's financial circumstances and profile, the recommendation system makes an assessment in real time to determine user actions that can be taken to improve credit health based on a user's profile and activity data. A user-specific recommendation regarding an activity that should be performed to reach the goal is generated and transmitted to the user. User and third party activity is later monitored as the user's financial status changes over time, and the recommendations are updated accordingly.
    Type: Application
    Filed: February 12, 2024
    Publication date: October 17, 2024
    Inventors: Ryan Alexander King, Michael Ducker, Tilo Sloboda, Zachary Vaughn Smith
  • Generating credit building recommendations through machine learning analysis of user activity-based feedback
    Patent number: 11900451
    Abstract: A real-time activity recommendation system receives an input from a user device regarding a targeted financial goal, such as a target credit score. Using machine learning models to evaluate patterns of user activity that contribute positively towards the goal, and to evaluate the limitations and opportunities of the user's financial circumstances and profile, the recommendation system makes an assessment in real time to determine user actions that can be taken to improve credit health based on a user's profile and activity data. A user-specific recommendation regarding an activity that should be performed to reach the goal is generated and transmitted to the user. User and third party activity is later monitored as the user's financial status changes over time, and the recommendations are updated accordingly.
    Type: Grant
    Filed: September 15, 2020
    Date of Patent: February 13, 2024
    Assignee: Chime Financial, Inc.
    Inventors: Ryan Alexander King, Michael Ducker, Tilo Sloboda, Zachary Vaughn Smith