首页|Patent Issued for Generating credit building recommendations through machine learning analysis of user activity-based feedback (USPTO 11900451)
Patent Issued for Generating credit building recommendations through machine learning analysis of user activity-based feedback (USPTO 11900451)
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By a News Reporter-Staff News Editor at Robotics & Machine Learning Daily News Daily News – Chime Financial Inc. (San Francisco, California, United States) has been issued patent number 11900451, according to news reporting originating out of Alexandria, Virginia, by NewsRx editors. The patent’s inventors are Ducker, Michael (San Francisco, CA, US), King, Ryan Alexander (San Francisco, CA, US), Sloboda, Tilo (San Jose, CA, US), Smith, Zachary Vaughn (San Francisco, CA, US). This patent was filed on September 15, 2020 and was published online on February 13, 2024. From the background information supplied by the inventors, news correspondents obtained the fol- lowing quote: “Modern financial institutions and their clients conduct the vast majority of their financial transactions through digital channels. Modern day consumers have access to a variety of tools, both digital and non-digital, that allow them to build credit, such as secured credit cards. A good credit score can help consumers negotiate loans at favorable rates and otherwise provides greater financial flexibility. However, the particular manner in which these credit building tools must be used to actually improve a consumer’s credit score is determined by various credit bureaus; consumers are often not provided with clear knowledge as to how their use of the tools, or their own activity, directly or indirectly affects their credit scores. As a result, even well-intentioned consumers often use these credit tools in a disadvantageous or suboptimal manner. Therefore, automated, digitally-focused solutions that facilitate positive credit activity without increasing workload to financial institutions are generally desired.
BusinessChime Financial Inc.CyborgsEmerging TechnologiesFinanceInvestment and FinanceMachine Learning
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