Patent ID: 11922491
Assignee: CHIME FINANCIAL, INC.
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 15:
16. A system comprising:
at least one processor; and
at least one non-transitory computer-readable storage medium storing instructions that, when executed by the at least one processor, cause the system to:
determine a base limit value for a user account indicating an excess utilization buffer for the user account by:
selecting, utilizing a user activity duration corresponding to the user account, an activity machine learning model from a plurality of activity machine learning models, wherein each of the plurality of activity machine learning models comprise learned parameters specific to different sets of user activity training data from different groupings of user accounts;
generating an activity score utilizing the activity machine learning model from user activity data of the user account; and
utilizing the activity score with a base limit value model to determine the base limit value;

determine a subsequent base limit value indicating an additional excess utilization buffer achievable for the user account and one or more user activity conditions to achieve the subsequent base limit value from the base limit value model utilizing the base limit value and the activity score;
provide, for display within a graphical user interface of a computing device corresponding to the user account, an indication of the base limit value and the subsequent base limit value;
provide for display within the graphical user interface of the computing device corresponding to the user account:
a first base limit progress element that indicates progress of one or more user activities toward fulfilling the one or more user activity conditions in a first time-based segment via a fillable shape comprising an indication of the first time-based segment and a color-based graphical tracking element to track the one or more user activities fulfilling the one or more user activity conditions; and
a second base limit progress element for a second time-based segment; and

upon determining partial fulfillment of the one or more user activity conditions corresponding to the first time-based segment from user activities of the user account occurring during the first time-based segment that match the one or more user activity conditions to achieve the subsequent base limit value from the base limit value model, modify the displayed fillable shape of the first time-based segment utilizing the color-based graphical tracking element to reflect the partial fulfillment.