Prosecution Insights
Last updated: April 19, 2026

Chime Financial Inc.

25 pending office actions

Portfolio Summary

25
Total Pending OAs
14
Final Rejections
11
Non-Final OAs

Pending Office Actions

App #TitleExaminerArt UnitStatusFiled
19065745 GENERATING DYNAMIC BASE LIMIT VALUE USER INTERFACE ELEMENTS DETERMINED FROM A BASE LIMIT VALUE MODEL MILEF, ELDA G 3694 Non-Final OA Feb 27, 2025
18982511 UTILIZING ASYNCHRONOUS DOUBLE-WRITES TO MIGRATE DATA BETWEEN DATABASES WALDRON, SCOTT A 2152 Final Rejection Dec 16, 2024
18821828 TRANSFORMING DATA METRICS TO MAINTAIN COMPATIBILITY IN AN ENTERPRISE DATA WAREHOUSE LE, HUNG D 2161 Final Rejection Aug 30, 2024
18816897 GENERATING TRANSACTION VECTORS FOR FACILITATING NETWORK TRANSACTIONS GAW, MARK H 3693 Final Rejection Aug 27, 2024
18814225 GENERATING A MULTI-TRANSACTION DISPUTE PACKAGE MAGUIRE, LINDSAY M 3619 Final Rejection Aug 23, 2024
18752310 GENERATING A FRAUD PREDICTION UTILIZING A FRAUD-PREDICTION MACHINE-LEARNING MODEL COBB, MATTHEW 3661 Non-Final OA Jun 24, 2024
18619679 GENERATING AND UTILIZING MOVEMENT IDENTIFIERS TO IDENTIFY NETWORK TRANSACTIONS IN NETWORK TRANSACTIONS INITIATED AS SECURED DEPOSIT NETWORK TRANSACTION CHAINS TROTTER, SCOTT S 3696 Final Rejection Mar 28, 2024
18438818 GENERATING CREDIT BUILDING RECOMMENDATIONS THROUGH MACHINE LEARNING ANALYSIS OF USER ACTIVITY-BASED FEEDBACK WONG, ERIC TAK WAI 3693 Non-Final OA Feb 12, 2024
18520144 MACHINE LEARNING SYSTEM FOR ROUTING PAYMENT REQUESTS TO DIFFERENT CUSTOMER ACCOUNTS MILLER, JAMES H 3694 Non-Final OA Nov 27, 2023
18515767 GENERATING USER INTERFACES COMPRISING A UNIVERSAL DYNAMIC BASE LIMIT VALUE REFLECTING TRANSACTIONS WITHIN ONE OR MORE TRANSACTION ACCOUNTS CHANG, EDWARD 3696 Non-Final OA Nov 21, 2023
18516545 SECURE DATA TRANSFORMATION AND MERGING SYSTEM WORJLOH, JALATEE 3697 Final Rejection Nov 21, 2023
18498719 UTILIZING A DIGITAL DIRECT DEPOSIT PREDICTOR MACHINE-LEARNING MODEL TO DETERMINE RISK FOR A NETWORK TRANSACTION COMPRISING A DIGITAL DIRECT DEPOSIT ADVANCE BORLINGHAUS, JASON M 3692 Non-Final OA Oct 31, 2023
18478007 GENERATING AND UTILIZING AN EXPLORATION ENVIRONMENT IN CONJUNCTION WITH A PRODUCTION ENVIRONMENT KABIR, SAAD M 2119 Non-Final OA Sep 29, 2023
18363312 DIGITAL SECURITY PLATFORM FOR ELEVATING COMPUTING DEVICE SECURITY CHALLENGES FOR NETWORK EVENTS POPHAM, JEFFREY D 2432 Final Rejection Aug 01, 2023
18354958 UTILIZING MACHINE LEARNING MODELS TO GENERATE FRAUD PREDICTIONS FOR CARD-NOT-PRESENT NETWORK TRANSACTIONS KANAAN, TONY P 3696 Non-Final OA Jul 19, 2023
18153703 UTILIZING A DEPOSIT TRANSACTION PREDICTOR MODEL TO DETERMINE FUTURE NETWORK TRANSACTIONS SHARON, AYAL I 3695 Non-Final OA Jan 12, 2023
18153077 EVENT FANNING PLATFORM FOR STREAMING NETWORK EVENT DATA TO CONSUMER APPLICATIONS BULLOCK JR, LEWIS ALEXANDER 2199 Final Rejection Jan 11, 2023
18057874 DYNAMICALLY EXECUTING DATA SOURCE AGNOSTIC DATA PIPELINE CONFIGURATIONS RIGGINS, ARI FAITH COLEMA 2197 Final Rejection Nov 22, 2022
18052423 PREVENTING DIGITAL FRAUD UTILIZING A FRAUD RISK TIERING SYSTEM FOR INITIAL AND ONGOING ASSESSMENT OF RISK NGUYEN, TAN D 3629 Non-Final OA Nov 03, 2022
17808910 UTILIZING SELECTIVE TRANSFORMATION AND REPLACEMENT WITH HIGH-DIMENSIONALITY PROJECTION LAYERS TO IMPLEMENT NEURAL NETWORKS IN TABULAR DATA ENVIRONMENTS BEAN, GRIFFIN TANNER 2121 Final Rejection Jun 24, 2022
17664776 GRANTING PROVISIONAL CREDIT BASED ON A LIKELIHOOD OF APPROVAL SCORE GENERATED FROM A DISPUTE-EVALUATOR MACHINE-LEARNING MODEL PARK, YONG S 3694 Final Rejection May 24, 2022
17590743 DETECTING DIGITAL HARVESTING UTILIZING A DYNAMIC TRANSACTION REQUEST FRAUD DETECTION MODEL STEVENSON, CHRISTINA C 3698 Non-Final OA Feb 01, 2022
17578222 TRAINING AND IMPLEMENTING MACHINE-LEARNING MODELS UTILIZING MODEL CONTAINER WORKFLOWS TRIEU, EM N 2128 Final Rejection Jan 18, 2022
17558375 GENERATING AND MAINTAINING A FEATURE FAMILY REPOSITORY OF MACHINE LEARNING FEATURES RODEN, DONALD THOMAS 2128 Final Rejection Dec 21, 2021
17554795 UTILIZING MACHINE LEARNING MODELS TO PREDICT CLIENT DISPOSITIONS AND GENERATE ADAPTIVE AUTOMATED INTERACTION RESPONSES JUNG, ANDREW J 2175 Final Rejection Dec 17, 2021

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