Dynamic Base Limit UI for Transparent Account Modifiers

Resolve Bottlenecks,
Find Innovative SolutionsGenerate Solutions

Solution Overview

Problem

Conventional systems provide obscure and inflexible user interfaces that fail to intuitively display and track base limit value modifiers for user accounts, requiring inefficient navigation and substantial computational resources, while lacking transparency in how user actions impact account values.

Innovation Solution

A dynamic base limit value modification system utilizing machine learning models to generate user interface elements that transparently display current and future base limit values, active and inactive modifiers, and reduce navigation by integrating them into a single graphical user interface.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Measurement precision

If conventional systems use computer-based models to determine account-specific values, then predictions or determinations are generated, but the outputs are obscure and non-transparent

Engineering Contradiction:

Improveaccuracy of account-specific valuesVSAvoidtransparency of model outputs

Core Design Contradiction:

Measurement precisionVSLoss of information

Solution Approach 1:

The patent introduces an intermediary layer between the computer-based model and the user interface that translates obscure model outputs into transparent, understandable information. This intermediary processes the raw model predictions and presents them in a way that maintains accuracy while improving transparency through structured presentation and explanation.

Inventive Principle:

Principle #24Intermediary (Mediator)

2Loss of information

If conventional systems provide detailed model outputs, then insight into determinations is provided, but navigation between multiple user interfaces is required

Engineering Contradiction:

Improveinsight into model determinationsVSAvoidnumber of user interfaces

Core Design Contradiction:

Loss of informationVSDevice complexity

Solution Approach 1:

The patent merges multiple user interfaces into a single integrated user interface that displays account-specific values, model determinations, and actionable insights together. This consolidation eliminates the need for navigation between multiple interfaces while maintaining comprehensive information display, thereby reducing device complexity without losing informational insight.

Inventive Principle:

Principle #5Merging (Combining)

3Loss of information

If conventional systems display multiple modifiers for output values, then comprehensive account information is provided, but tracking and display efficiency decreases

Engineering Contradiction:

Improvecompleteness of account informationVSAvoidefficiency of tracking modifiers

Core Design Contradiction:

Loss of informationVSProductivity

Solution Approach 1:

The patent segments the display of multiple modifiers by organizing them into hierarchical groups or categories within the user interface. This segmentation allows comprehensive account information to be presented in a structured, easily trackable format that improves productivity by enabling users to quickly locate and understand specific modifiers without being overwhelmed by the complete set.

Inventive Principle:

Principle #1Segmentation

4Loss of information

If conventional systems require navigation between multiple user interfaces to understand model outputs, then detailed information is available, but user time and computational resources are wasted

Engineering Contradiction:

Improvedetail of model outputsVSAvoidtime for navigation and understanding

Core Design Contradiction:

Loss of informationVSLoss of time

Solution Approach 1:

The patent performs preliminary action by pre-processing and pre-organizing model outputs within the single user interface before user interaction. This preliminary organization of information, including pre-calculated insights and pre-structured presentations of account-specific values, eliminates the need for time-consuming navigation while maintaining detailed information availability.

Inventive Principle:

Principle #10Preliminary action

Data Source

PatentUS12548074B2Generating user interfaces comprising dynamic base limit value and base limit value modifier user interface elements determined from digital user account actions

Publication Date: 2026.02.10 CHIME FINANCIAL INC

AI summary

The disclosure describes embodiments of systems, methods, and non-transitory computer readable storage media dynamically track, utilize, and display one or more base limit value modifiers to modify base limit values for user accounts, determined utilizing a variety of machine learning models and a base limit value model. For instance, the disclosed systems can utilize a variety of machine learning models and a base limit value model to generate a base limit value for a user account. Moreover, the disclosed systems can detect digital user account actions and generate base limit value modifiers for the digital user account actions. Furthermore, the disclosed systems can dynamically determine and display, utilizing a total base limit value modifier threshold, user interface elements indicating active base limit value modifiers that modify a displayed base limit value and/or inactive base limit value modifiers that do not affect the base limit value.