IP Library Granted Patent US 12,574,334
Granted Patent B2
US 12,574,334 · App. 17/932,943 · Granted Mar 10, 2026

Staggered payload relayer for pipelining digital payloads across network services

Inventors: Bhashinee Garg (Oakland, CA); Alex Kleissner (San Francisco, CA); Bartlomiej Ogryczak (Concord, CA); David Lyons (Oakland, CA); Keerthi Nallani (Mountain House, CA); Matt Taylor (San Francisco, CA); Pengyue Li (Acton, MA); Peter Baker (Pacheco, CA); Renjie Xu (Fremont, CA)
Assignee: Chime Financial, Inc.
H04L47/6225H04L12/2859H04L47/16
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Quick Facts
Patent No.
US 12,574,334
App. No.
17/932,943
Granted
Mar 10, 2026
Kind
B2
Abstract

This disclosure describes a payload pipeline system that, as part of an inter-network facilitation system, can facilitate digital payload throughput between network components using a staggered payload relayer. For example, the disclosed systems utilize custom tooling to implement a staggered payload relayer as an intelligent conduit or pipeline that operates as a publisher-subscriber paradigm system (as opposed to a data stream system). In some cases, the disclosed systems can utilize synchronous or asynchronous communication to receive digital payloads for events from publisher network components and to make the digital payloads available within a payload queue maintained by the staggered payload relayer (for access by subscriber network components).

Claims (64)

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:

receive, from a publisher network component of a network-based system comprising a plurality of compartmentalized network components comprising executable server software dedicated to performing respective functions of the network-based system, a digital payload for a staggered payload relayer hosted on a server to relay, the publisher network component comprising a network component of the plurality of compartmentalized network components that generates or provides the digital payload;

add the digital payload to a payload queue maintained by the staggered payload relayer and comprising a plurality of digital payloads received from various publisher network components of the network-based system;

identify, within the network-based system, a subscriber network component subscribed to receive the digital payload from the payload queue; and

provide, in response to identifying the subscriber network component and utilizing the staggered payload relayer, the digital payload to the subscriber network component subscribed to receive the digital payload via staggered payload distribution.

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

facilitate publication of digital payloads within the payload queue utilizing the staggered payload relayer as an intermittent message queue system for staggered payload queuing; and

facilitate subscription to the digital payloads within the payload queue utilizing the staggered payload relayer as an intermittent message notification system for staggered payload distribution.

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

generate a concurrent payload group by combining multiple digital payloads from the payload queue together; and

provide the concurrent payload group to an intermittent message notification system within a single transmission to distribute the multiple digital payloads to subscriber network components.

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

convert staggered digital payloads within the payload queue to a payload stream utilizing a stagger-to-stream converter; and

provide the payload stream to a payload stream broadcaster for broadcasting the payload stream to network components.

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

utilize the staggered payload relayer to perform synchronous payload transmission by, in response to providing the digital payload to the subscriber network component, waiting for a confirmation from the subscriber network component before providing a subsequent digital payload; or

utilize the staggered payload relayer to perform asynchronous payload transmission by providing the digital payload to the subscriber network component without waiting for a confirmation from the subscriber network component.

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

generate a debugging wrapper utilizing the staggered payload relayer to include as part of the digital payload; and

provide the debugging wrapper with the digital payload for tracing the digital payload among network components.

7 . The system of claim 1 , further comprising instructions that, when executed by the at least one processor, cause the system to maintain the digital payload within the payload queue of the staggered payload relayer for a set duration.

8 . A method comprising:

receiving, from a publisher network component of a network-based system comprising a plurality of compartmentalized network components comprising executable server software dedicated to performing respective functions of the network-based system, a digital payload for a staggered payload relayer hosted on a server to relay, the publisher network component comprising a network component of the plurality of compartmentalized network components that generates or provides the digital payload;

adding the digital payload to a payload queue maintained by the staggered payload relayer and comprising a plurality of digital payloads received from various publisher network components of the network-based system;

identifying, within the network-based system, a subscriber network component subscribed to receive the digital payload from the payload queue; and

providing, in response to identifying the subscriber network component and utilizing the staggered payload relayer, the digital payload to the subscriber network component subscribed to receive the digital payload via staggered payload distribution.

9 . The method of claim 8 , further comprising:

facilitating publication of digital payloads within the payload queue utilizing the staggered payload relayer as an intermittent message queue system for staggered payload queuing; and

facilitating subscription to the digital payloads within the payload queue utilizing the staggered payload relayer as an intermittent message notification system for staggered payload distribution.

10 . The method of claim 8 , further comprising:

generating a concurrent payload group by combining multiple digital payloads from the payload queue together; and

providing the concurrent payload group to an intermittent message notification system within a single transmission to distribute the multiple digital payloads to subscriber network components.

11 . The method of claim 8 , further comprising:

converting staggered digital payloads within the payload queue to a payload stream utilizing a stagger-to-stream converter; and

providing the payload stream to a payload stream broadcaster for broadcasting the payload stream to network components.

12 . The method of claim 8 , further comprising:

utilizing the staggered payload relayer to perform synchronous payload transmission by, in response to providing the digital payload to the subscriber network component, waiting for a confirmation from the subscriber network component before providing a subsequent digital payload; or

utilizing the staggered payload relayer to perform asynchronous payload transmission by providing the digital payload to the subscriber network component without waiting for a confirmation from the subscriber network component.

13 . The method of claim 8 , further comprising:

generating a debugging wrapper utilizing the staggered payload relayer to include as part of the digital payload; and

providing the debugging wrapper with the digital payload for tracing the digital payload among network components.

14 . The method of claim 8 , further comprising maintaining the digital payload within the payload queue of the staggered payload relayer for a set duration.

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

receive, from a publisher network component of a network-based system comprising a plurality of compartmentalized network components comprising executable server software dedicated to performing respective functions of the network-based system, a digital payload for a staggered payload relayer hosted on a server to relay, the publisher network component comprising a network component of the plurality of compartmentalized network components that generates or provides the digital payload;

add the digital payload to a payload queue maintained by the staggered payload relayer and comprising a plurality of digital payloads received from various publisher network components of the network-based system;

identify, within the network-based system, a subscriber network component subscribed to receive the digital payload from the payload queue; and

provide, in response to identifying the subscriber network component and utilizing the staggered payload relayer, the digital payload to the subscriber network component subscribed to receive the digital payload via staggered payload distribution.

16 . The non-transitory computer readable medium of claim 15 , further comprising instructions that, when executed by the at least one processor, cause the computing device to:

facilitate publication of digital payloads within the payload queue utilizing the staggered payload relayer as an intermittent message queue system for staggered payload queuing; and

facilitate subscription to the digital payloads within the payload queue utilizing the staggered payload relayer as an intermittent message notification system for staggered payload distribution.

17 . The non-transitory computer readable medium of claim 15 , further comprising instructions that, when executed by the at least one processor, cause the computing device to:

generate a concurrent payload group by combining multiple digital payloads from the payload queue together; and

provide the concurrent payload group to an intermittent message notification system within a single transmission to distribute the multiple digital payloads to subscriber network components.

18 . The non-transitory computer readable medium of claim 15 , further comprising instructions that, when executed by the at least one processor, cause the computing device to:

convert staggered digital payloads within the payload queue to a payload stream utilizing a stagger-to-stream converter; and

provide the payload stream to a payload stream broadcaster for broadcasting the payload stream to network components.

19 . The non-transitory computer readable medium of claim 15 , further comprising instructions that, when executed by the at least one processor, cause the computing device to:

utilize the staggered payload relayer to perform synchronous payload transmission by, in response to providing the digital payload to the subscriber network component, waiting for a confirmation from the subscriber network component before providing a subsequent digital payload; or

utilize the staggered payload relayer to perform asynchronous payload transmission by providing the digital payload to the subscriber network component without waiting for a confirmation from the subscriber network component.

20 . The non-transitory computer readable medium of claim 15 , further comprising instructions that, when executed by the at least one processor, cause the computing device to:

generate a debugging wrapper utilizing the staggered payload relayer to include as part of the digital payload; and

provide the debugging wrapper with the digital payload for tracing the digital payload among network components.

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 Dec 2, 2022
From: GARG, BHASHINEE; KLEISSNER, ALEX; OGRYCZAK, BARTLOMIEJ; LYONS, DAVID; NALLANI, KEERTHI; TAYLOR, MATT; LI, PENGYUE; BAKER, PETER; XU, RENJIE
To: CHIME FINANCIAL, INC.
Reel/Frame 061958/0011 →
Continuity (1)
Related Publication 20240098036A1 · Mar 21, 2024
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