Patent ID: 11966887
Assignee: CHIME FINANCIAL, INC.
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 10:
11. A non-transitory computer-readable medium storing instructions that, when executed by at least one processor, cause a computing device to:
deploy, in an electronic computing network, a server computing device comprising a cross-platform transaction coordination system communicating with a plurality of network transaction platforms, wherein each network transaction platform comprises a plurality of financial source computing devices for holding financial resources in accounts associated with users of the cross-platform transaction coordination system, wherein the cross-platform transaction coordination system is configured for electronic communication with a plurality of user computing devices associated with the users of the cross-platform transaction coordination system and with the plurality of financial source computing devices;
transmit, by the cross-platform transaction coordination system, to the plurality of user computing devices, an application for execution on the plurality of user computing devices, wherein the application is configured to generate an interface on display of the plurality of user computing devices for digital interactions of user financial transactions;
establish and manage, by the cross-platform transaction coordination system, a plurality of intermediary holding accounts with various combinations of the network transaction platforms, wherein the intermediary holding accounts are configured to enable network transactions between users on the network transaction platforms;
register, by the cross-platform transaction coordination system, a first user account corresponding to a first network transaction platform wherein the first network transaction platform is configured for electronic communications with other computer devices according to a first collection of data schemas, wherein each data schema comprises source code and/or network communication protocols for exchanging financial instructions, messages, or objects with other computing devices;
registering, by the cross-platform transaction coordination system, a second user account corresponding to a second network transaction platform wherein the second network transaction platform is configured for electronic communication with other computer devices according to a second collection of data schemas differing from the first collection of data schemas and wherein the first user account is different from the second user account;
receive, by the cross-platform transaction coordination system, from a first user computing device associated with the first user account via an input on the interface of the first user computing device, a request to perform a network transaction between the first user account corresponding to the first network transaction platform and the second user account corresponding to the second network transaction platform; and
based on an inability to communicate network transactions via a specific or dedicated one-to-one communication protocol between the first network transaction platform and the second network transaction platform:
transmit, by the cross-platform transaction coordination system, a first set of instructions to the first network transaction platform to cause the first network transaction platform to initiate transfer of a transactional value for the network transaction from an account of the first network transaction platform to at least one intermediary holding account without communicating the first set of instructions to the second network transaction platform, wherein the intermediary holding account is associated with the second network transaction platform, wherein the first set of instructions comprise a schematized data message according to a data schema of the first collection of data schemas, and wherein the transactional value and transaction attributes are objects of the schematized data message;
transmit, by the cross-platform transaction coordination system, a second set of instructions to the second network transaction platform to cause the second network transaction platform to receive the transactional value from the at least one intermediary holding account for the network transaction at an account of the second network transaction platform without communicating the second set of instructions to the first network transaction platform, wherein the second set of instructions comprise a schematized data message according to a data schema of the second collection of data schemas and wherein the transactional value and the transaction attributes are objects of the schematized data message; and
receive, by the cross-platform transaction coordination system, from a financial source computing device of the plurality of financial source computing devices hosting the intermediary holding account, a data indicator indicating a transfer of the transactional value between the first user account corresponding to the first network transaction platform and the second user account corresponding to the second network transaction platform utilizing the at least one intermediary holding account.