Bridging network transaction platforms to unify cross-platform transfers

Patent metadata

Field	Value
Publication number	US-12572903-B2
Application number	US-202418642258-A
Country	US
Kind code	B2
Filing date	Apr 22, 2024
Priority date	Oct 27, 2022
Publication date	Mar 10, 2026
Grant date	Mar 10, 2026

Abstract

The disclosure describes embodiments of systems, methods, and non-transitory computer readable storage media that enable network transactions between user accounts belonging to different network transaction platforms and unify user account modifications across user accounts on different network transaction platforms. For instance, the disclosed systems can cause two or more network transaction platforms to transmit and/or receive transactional values from one or more intermediary holding accounts upon receiving network transaction requests between user accounts belonging to the two or more network transaction platforms. In addition, the disclosed system can unify user account data on different network transaction platforms by modifying or updating the user account data (e.g., user attributes) by propagating schematized data messages to the one or more other network transaction platforms with instructions to modify or update the user attributes on other user accounts related to the user account.

First claim

What is claimed is:

1 . A computer-implemented method for coordinating cross-platform transactions, the computer-implemented method comprising:
establishing, by a cross-platform transaction coordination system, a plurality of intermediary holding accounts with various combinations of a plurality of network transaction platforms, the plurality of intermediary holding accounts enabling network transactions between user devices associated with the plurality of network transaction platforms, wherein each intermediary holding account comprises an account hosted by one or more transaction computer network devices of the cross-platform transaction coordination system; registering, by the cross-platform transaction coordination system, a first user account corresponding to a first network transaction platform from the plurality of network transaction platforms, wherein the first network transaction platform uses a first communication protocol; registering, by the cross-platform transaction coordination system, a second user account corresponding to a second network transaction platform from the plurality of network transaction platforms, wherein the second network transaction platform uses a second communication protocol that is different from the first communication protocol; receiving, by the cross-platform transaction coordination system, from a first user computing device associated with the first user account, 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 comprising a user account value; and based on an inability of one or more first transaction computer network devices of the first network transaction platform and one or more second transaction computer network devices of the second network transaction platform to communicate network transactions via a dedicated interfacing comprising a custom application program interface (API) or via a dedicated one-to-one communication protocol between the first network transaction platform and the second network transaction platform:
transmitting, by the cross-platform transaction coordination system, a first set of instructions using the first communication protocol to the first network transaction platform to cause the first network transaction platform to initiate a transfer of a transactional value for the network transaction from the first user account of the first network transaction platform to an intermediary holding account associated with the second network transaction platform without communicating the first set of instructions to the second network transaction platform;
causing, by the cross-platform transaction coordination system, a second user computing device associated with the second user account to display within a graphical user interface corresponding to the cross-platform transaction coordination system, a modified user account value different from the user account value based on the transfer of the transactional value for the network transaction from the first user account of the first network transaction platform to the intermediary holding account while the transactional value is within the intermediary holding account;
transmitting, by the cross-platform transaction coordination system, a second set of instructions using the second communication protocol to the second network transaction platform to cause the second network transaction platform to receive the transactional value from the intermediary holding account for the network transaction into the second user account of the second network transaction platform without communicating the second set of instructions to the first network transaction platform; and
receiving, by the cross-platform transaction coordination system and at the first network transaction platform and the second network transaction platform, from the one or more transaction computer network devices of the cross-platform transaction coordination system 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 intermediary holding account.

2 . The computer-implemented method of claim 1 , further comprising:
utilizing, by the cross-platform transaction coordination system, the data indicator to identify a failed network transaction; and based on identifying the failed network transaction:
transmitting, by the cross-platform transaction coordination system, a third set of instructions using the first communication protocol to the first network transaction platform to cause the first network transaction platform to re-initiate the transfer of the transactional value for the network transaction from the first user account of the first network transaction platform to the intermediary holding account; and
transmitting, by the cross-platform transaction coordination system, a fourth set of instructions using the second communication protocol to the second network transaction platform to cause the second network transaction platform to receive the transactional value from the intermediary holding account for the network transaction at the second user account of the second network transaction platform.

3 . The computer-implemented method of claim 1 , further comprising:
utilizing, by the cross-platform transaction coordination system, the data indicator to identify a failed network transaction; and based on identifying the failed network transaction, reversing the failed network transaction by:
transmitting, by the cross-platform transaction coordination system, a third set of instructions to the intermediary holding account to initiate an additional transfer of the transactional value for the network transaction to the first user account of the first network transaction platform; and
transmitting, by the cross-platform transaction coordination system, a fourth set of instructions to the intermediary holding account to initiate a reversal for the network transaction at the second user account of the second network transaction platform.

4 . The computer-implemented method of claim 1 , further comprising:
identifying, by the cross-platform transaction coordination system, a user identifier corresponding to the request to perform the network transaction from multiple user identifiers for the first user account; and providing, by the cross-platform transaction coordination system and for display within the graphical user interface corresponding to the first user account, an indication that a user corresponding to the user identifier initiated the request to perform the network transaction from multiple users accessing the first user account.

5 . The computer-implemented method of claim 1 further comprising causing, by the cross-platform transaction coordination system, the second user computing device to display, within the graphical user interface corresponding to the cross-platform transaction coordination system, account information and account functions for the first user account and the second user account within a single interface of the cross-platform transaction coordination system, wherein the first user account and the second user account correspond to a same user.

6 . The computer-implemented method of claim 5 , further comprising:
receiving, by the cross-platform transaction coordination system, a request to modify a user attribute for the first user account corresponding to the first network transaction platform, wherein the user attribute comprises user phone number, a user email, a user addre

Assignees

• Chime Financial Inc

Inventors

• Vorp Richard
• Premraj Geetha
• Ducker Michael
• Seth Priyanka
• Jain Praveen
• Fowler Fletcher

Classifications

• G06Q20/108

  Remote banking, e.g. home banking · CPC title

• G06Q20/027 Primary

  involving a payment switch or gateway · CPC title