Patent ID: 11900451
Assignee: CHIME FINANCIAL, INC.
Field: Computer technology (Electrical engineering)
Classification: CPC G | IPC G

Claim 10:
11. A method comprising:
training one or more machine learning models based on a training set of data derived from, for each of a plurality of user accounts, (i) activity data relating to historical activity on the account and (ii) financial data associated with an account holder, the financial data comprising a credit score of the account holder;
receiving goal data from a client device, the goal data corresponding to at least one user account of the plurality of user accounts and comprising a user-defined goal and a desired timeline for achieving the user-defined goal, wherein a user of the client device is an account holder of the at least one user account;
obtaining activity data associated with the at least one user account;
obtaining financial data associated with the user of the client device, the obtained financial data comprising a credit score of the user of the client device;
receiving, in real time, activity data indicative of a transaction being attempted by the user;
applying the one or more machine learning models to a data set comprising the obtained activity data, the obtained financial data, the received goal data, and the activity data indicative of the transaction to predict an impact of the transaction to the user-defined goal;
generating a recommendation regarding the transaction based on the predicted impact;
transmitting the generated recommendation regarding the transaction to the client device prior to completion of the transaction;
applying the one or more machine learning models to a dataset comprising the obtained activity data, the obtained financial data, and the received goal data, to identify a set of potential user activities for improving the credit score of the user based on the received goal data;
generating one or more recommendations of user activity for improving the credit score of the user based on the identified set of potential user activities;
identifying a plurality of applications installed on the client device;
determining an application of the plurality of applications that corresponds to income generation; and
including, in the one or more recommendations of user activity, a recommendation to use the application to achieve further income.