IP Library Granted Patent US 12,423,290
Granted Patent B2
US 12,423,290 · App. 17/816,583 · Granted Sep 23, 2025

Generating account configurations using configuration bundles

Inventors: Roman Lisagor (Vancouver, CA); Praveen Jain (San Mateo, CA)
Assignee: Chime Financial, Inc.
G06F16/235G06F16/213
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Quick Facts
Patent No.
US 12,423,290
App. No.
17/816,583
Granted
Sep 23, 2025
Kind
B2
Abstract

This disclosure describes an account configurator system that, as part of an inter-network facilitation system, can generate account configurations for digital accounts using configuration bundles. For example, the disclosed systems can utilize custom tooling for an account configuration component that generates account configurations for digital accounts by augmenting baseline (e.g., default) product configurations with account overrides. To generate an account configuration, the disclosed systems can identify a baseline product configuration that references a configuration bundle for a subset of account configuration attributes and can modify the product configuration using an account override that also references a configuration bundle to supersede or replace one or more configuration attributes of the product configuration (with those of the configuration bundle referenced by the account override).

Claims (61)

1. A system comprising:

at least one processor; and

a non-transitory computer readable medium comprising instructions that, when executed by the at least one processor, cause the system to:

generate, from a bundle type defining an attribute structure for a product within an inter-network facilitation system, a configuration bundle instance comprising a default set of attribute key-value pairs that are overridable within the attribute structure by applying an account override configuration, wherein-the configuration bundle instance being referenced by multiple product configurations to define and update configuration attributes of the multiple product configurations from a centralized data repository;

override, for an account configuration of the configuration bundle instance, a baseline key-value pair within the default set of attribute key-value pairs defined by the configuration bundle instance by applying the account override configuration comprising a replacement key-value pair specific to the account configuration, the replacement key- value pair comprising a bundle value referencing a modified configuration bundle instance that includes an override value;

in response to receiving a configuration query from a network component of the inter-network facilitation system for the account configuration corresponding to the product, identify a product configuration for the product comprising the replacement key-value pair;

extract a key name and a bundle value corresponding to the configuration bundle instance from the replacement key-value pair;

based on extracting the key name and the bundle value, generate the account configuration for the network component by extracting the default set of attribute key-value pairs from the configuration bundle instance and by extracting the override value from the modified configuration bundle instance; and

based on detecting a modification to the configuration bundle instance, propagate the modification to the account configuration and to the multiple product configurations referencing the configuration bundle instance.

2. The system of claim 1 , further comprising instructions that, when executed by the at least one processor, cause the system to:

generate the bundle type comprising attribute keys and schema value types for the attribute structure; and

generate the configuration bundle instance by defining values for the attribute keys to generate the default set of attribute key-value pairs according to the schema value types.

3. The system of claim 2 , further comprising instructions that, when executed by the at least one processor, cause the system to generate an additional configuration bundle instance by defining additional values for the attribute keys according to the schema value types to generate an additional set of attribute key-value pairs different from the default set of attribute key-value pairs of the configuration bundle instance.

4. The system of claim 3 , further comprising instructions that, when executed by the at least one processor, cause the system to generate the account override configuration comprising an additional key-value pair comprising the key name and a different bundle value corresponding to the additional configuration bundle instance.

5. The system of claim 4 , further comprising instructions that, when executed by the at least one processor, cause the system to:

in response to receiving an additional configuration query from one or more network components, extract the different bundle value corresponding to the key name from the additional key-value pair of the account override configuration; and

generate an additional account configuration for the one or more network components by extracting, based on the account override configuration, the additional set of attribute key-value pairs from the additional configuration bundle instance.

6. The system of claim 1 , further comprising instructions that, when executed by the at least one processor, cause the system to:

modify the configuration bundle instance by performing a single update of one or more of key names or values corresponding to the key names within the configuration bundle instance; and

based on the single update, propagate the modification made to the configuration bundle instance to the multiple product configurations without applying updates to individual data fields across the multiple product configurations.

7. The system of claim 1 , further comprising instructions that, when executed by the at least one processor, cause the system to:

modify the configuration bundle instance to reflect a modified set of attribute key-value pairs; and

in response to receiving an additional configuration query for the account configuration corresponding to the product, generate the account configuration by extracting the modified set of attribute key-value pairs referenced by the bundle value of the product configuration.

8. The system of claim 1 , further comprising instructions that, when executed by the at least one processor, cause the system to generate the account configuration by:

extracting the default set of attribute key-value pairs from the configuration bundle instance referenced by the bundle value of the key-value pair;

extracting additional key-value pairs defined by the product configuration; and

combining the default set of attribute key-value pairs from the configuration bundle instance and the additional key-value pairs from the product configuration.

9. A method comprising:

generating, from a bundle type defining an attribute structure for a product within an inter-network facilitation system, a configuration bundle instance comprising a default set of attribute key-value pairs that are overridable within the attribute structure by applying an account override configuration, wherein-the configuration bundle instance being referenced by multiple product configurations to define and update configuration attributes of the multiple product configurations from a centralized data repository;

overriding, for an account configuration of the configuration bundle instance, a baseline key-value pair within the default set of attribute key-value pairs defined by the configuration bundle instance by applying the account override configuration comprising a replacement key-value pair specific to the account configuration, the replacement key-value pair comprising a bundle value referencing a modified configuration bundle instance that includes an override value;

in response to receiving a configuration query from a network component of the inter-network facilitation system for the account configuration corresponding to the product, identifying a product configuration for the product comprising the replacement key-value pair;

extracting a key name and a bundle value corresponding to the configuration bundle instance from the replacement key-value pair;

based on extracting the key name and the bundle value, generating the account configuration for the network component by extracting the default set of attribute key-value pairs from the configuration bundle instance and by extracting the override value from the modified configuration bundle instance; and

based on detecting a modification to the configuration bundle instance, propagating the modification to the account configuration and to the multiple product configurations referencing the configuration bundle instance.

10. The method of claim 9 , further comprising:

generating the bundle type comprising attribute keys and schema value types for the attribute structure; and

generating the configuration bundle instance by defining values for the attribute keys to generate the default set of attribute key-value pairs according to the schema value types.

11. The method of claim 10 , further comprising generating an additional configuration bundle instance by defining additional values for the attribute keys according to the schema value types to generate an additional set of attribute key-value pairs different from the default set of attribute key-value pairs of the configuration bundle instance.

12. The method of claim 11 , further comprising generating the account override configuration comprising an additional key-value pair comprising the key name and a different bundle value corresponding to the additional configuration bundle instance.

13. The method of claim 12 , further comprising:

in response to receiving an additional configuration query from one or more network components, extracting the different bundle value corresponding to the key name from the additional key-value pair of the account override configuration; and

generating an additional account configuration for the one or more network components by extracting, based on the account override configuration, the additional set of attribute key-value pairs from the additional configuration bundle instance.

14. The method of claim 9 , further comprising generating the product configuration for the product by generating the key-value pair comprising the key name and the bundle value and an additional key-value pair comprising a key name and an attribute value.

15. The method of claim 9 , further comprising:

modify the configuration bundle instance to reflect a modified set of attribute key-value pairs; and

in response to receiving an additional configuration query for the account configuration corresponding to the product, generate the account configuration by extracting the modified set of attribute key-value pairs referenced by the bundle value of the product configuration.

16. A non-transitory computer readable medium comprising instructions that, when executed by at least one processor, cause a computing device to:

generate, from a bundle type defining an attribute structure for a product within an inter-network facilitation system, a configuration bundle instance comprising a default set of attribute key-value pairs that are overridable within the attribute structure by applying an account override configuration, the configuration bundle instance being referenced by multiple product configurations to define and update configuration attributes of the multiple product configurations from a centralized data repository;

override, for an account configuration of the configuration bundle instance, a baseline key-value pair within the default set of attribute key-value pairs defined by the configuration bundle instance by applying the account override configuration comprising a replacement key-value pair specific to the account configuration, the replacement key-value pair comprising a bundle value referencing a modified configuration bundle instance that includes an override value;

in response to receiving a configuration query from a network component of the inter-network facilitation system for the account configuration corresponding to the product, identify a product configuration for the product comprising the replacement key-value pair;

extract a key name and a bundle value corresponding to the configuration bundle instance from the replacement key-value pair;

based on extracting the key name and the bundle value, generate the account configuration for the network component by extracting the default set of attribute key-value pairs from the configuration bundle instance and by extracting the override value from the modified configuration bundle instance; and

based on detecting a modification to the configuration bundle instance, propagate the modification to the account configuration and to the multiple product configurations referencing the configuration bundle instance.

17. The non-transitory computer readable medium of claim 16 , further comprising instructions that, when executed by the at least one processor, cause the computing device to:

generate the bundle type comprising attribute keys and schema value types for the attribute structure; and

generate the configuration bundle instance by defining values for the attribute keys to generate the default set of attribute key-value pairs according to the schema value types.

18. The non-transitory computer readable medium of claim 17 , further comprising instructions that, when executed by the at least one processor, cause the computing device to generate an additional configuration bundle instance by defining additional values for the attribute keys according to the schema value types to generate an additional set of attribute key-value pairs different from the default set of attribute key-value pairs of the configuration bundle instance.

19. The non-transitory computer readable medium of claim 18 , further comprising instructions that, when executed by the at least one processor, cause the computing device to generate the account override configuration comprising an additional key-value pair comprising the key name and a different bundle value corresponding to the additional configuration bundle instance.

20. The non-transitory computer readable medium of claim 19 , further comprising instructions that, when executed by the at least one processor, cause the computing device to:

in response to receiving an additional configuration query from one or more network components, extract the different bundle value corresponding to the key name from the additional key-value pair of the account override configuration; and

generate an additional account configuration for the one or more network components by extracting, based on the account override configuration, the additional set of attribute key-value pairs from the additional configuration bundle instance.

Assignments (4)
RELEASE OF SECURITY INTEREST Recorded Apr 1, 2025
From: FIRST-CITIZENS BANK & TRUST COMPANY, AS ADMINISTRATIVE AGENT
To: CHIME FINANCIAL, INC.
Reel/Frame 070695/0013 →
SECURITY AGREEMENT Recorded Mar 31, 2025
From: CHIME FINANCIAL, INC.
To: MORGAN STANLEY SENIOR FUNDING, INC., AS COLLATERAL AGENT
Reel/Frame 070689/0813 →
SECURITY INTEREST Recorded Jun 6, 2023
From: CHIME FINANCIAL, INC.
To: FIRST-CITIZENS BANK & TRUST COMPANY, AS ADMINISTRATIVE AGENT
Reel/Frame 063877/0204 →
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Aug 1, 2022
From: LISAGOR, ROMAN; JAIN, PRAVEEN
To: CHIME FINANCIAL, INC.
Reel/Frame 060687/0940 →
Continuity (1)
Related Publication 20240037086A1 · Feb 1, 2024
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