Company patents

Chime Financial, Inc.

Chime Financial, Inc. surprisingly shows a strong emerging focus on Computer Security, with a remarkable 166.7% year-over-year growth in 2025, despite its core Business Methods & Fintech category, representing 47.0% of its portfolio, experiencing a significant 23.8% decline in 2025 and a further 62.5% decline so far in 2026. This indicates a strategic shift towards bolstering its security infrastructure, while its patenting activity in Machine Learning & AI has seen a sharp decline of 100.0% so far in 2026, suggesting a shifting priority away from this area.

Patent Trend by Technology Area

Yearly patent publications since 2023

Product themes

Product-level themes inferred from filings since 2023, with category chips showing where each theme appears. Select a theme to filter the patents below.

117 US filings (since 2023) · 12 categories · 20 themes

Automated Transaction Systems

Systems designed to streamline and automate various commercial transactions, including mobile-enhanced processes, secure online checkouts, customer service interactions, and privilege issuance, often leveraging digital authentication.

Business Methods & Fintech
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34since 2023
-30.8%YoY
Network Data Management

Systems and methods for collecting, processing, and ensuring the quality and consistency of data used for network monitoring, asset management, and operational decision-making, including conflict detection and reliability scoring.

Network Management & Monitoring
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16since 2023
-44.4%YoY
Access Control & Identity Management

Systems and methods for authenticating users, devices, or applications, authorizing their access to resources based on policies, and managing digital identities across various platforms.

Computer SecurityNetwork Security & Access Control
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14since 2023
+40.0%YoY
Collaborative User Experiences

User interface designs and systems that enable multiple users to interact with shared content, provide feedback, or coordinate activities, often across different devices or locations.

Input/Output & User Interfaces
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13since 2023
-33.3%YoY
AI/ML for Cryptographic Security

Applying artificial intelligence and machine learning techniques to enhance cryptographic systems, such as generating encryption models, improving zero-trust architectures, or enabling privacy-preserving computations like federated learning.

Computer Security
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12since 2023
+400.0%YoY
Dynamic Content & Engagement Features

Features within messaging platforms that enhance user interaction and content consumption through intelligent suggestions, content persistence mechanisms, engagement analytics, and adaptive presentation of conversational media.

Messaging & Email
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11since 2023
-33.3%YoY
Wearable & Mobile Interaction

Designing user interfaces and interaction methods specifically for mobile or wearable devices, enabling control of external systems, monitoring user states, or facilitating real-world transactions.

Input/Output & User Interfaces
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11since 2023
+100.0%YoY
Personalized Recommendations

Systems that use user data, preferences, and machine learning to generate tailored advice, product recommendations, goal-setting plans, or contextual information for individuals across different domains.

Business Methods & Fintech
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11since 2023
-57.1%YoY
Intelligent Decision Support

Systems that process data to provide personalized recommendations, predict events, or automate decision-making processes based on learned patterns, user behavior, or environmental factors.

Databases & Information Retrieval
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10since 2023
-60.0%YoY
Specialized Data Integration

Methods and systems for integrating, transforming, and managing complex or domain-specific data from disparate sources into a unified structure, often for specific applications like social networks, genomics, or business forms.

Databases & Information Retrieval
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9since 2023
-40.0%YoY
Digital Asset Management

Technologies for securing, managing, and transacting with virtual currencies, non-fungible tokens (NFTs), and other blockchain-based digital assets, including hardware wallets and tokenization schemes for various purposes.

Business Methods & Fintech
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6since 2023
+50.0%YoY
Secure Data Sharing & Rights Management

Mechanisms to facilitate the secure exchange of data between different entities or systems while enforcing usage policies, managing digital content rights, and ensuring data consistency during replication or transfer.

Computer Security
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5since 2023
-66.7%YoY
Granular Data Encryption & Access Control

Systems and methods for encrypting data at a fine-grained level (e.g., per data unit or based on sensitivity) and controlling access to it, often involving delegated authorization, contextual policies, or secure data sharing.

Cryptographic Mechanisms
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4since 2023
+200.0%YoY
Context-Aware Conversational AI

AI systems designed to engage in natural language dialogue, maintain conversation state, understand user intent, and generate relevant responses, often across multiple communication channels or modalities.

Messaging & EmailTelephone Equipment
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4since 2023
0.0%YoY
MLOps & Model Deployment

Systems and methods for automating the lifecycle of machine learning models, including pipeline deployment, model management, versioning, and configuring for different inference environments.

Machine Learning & AI
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4since 2023
n/a
Remote Software/Firmware Updates

Systems and methods for securely and reliably delivering, installing, and managing software or firmware updates to distributed or embedded devices, often considering network conditions, resource constraints, or storage repartitioning.

Software Development & Compilers
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3since 2023
0.0%YoY
Network Operations, Reliability & Traffic

Techniques and systems designed to monitor network health, diagnose issues, optimize traffic flow, and ensure continuous operation and reduced downtime in complex network environments, including cloud and storage area networks.

Network Management & Monitoring
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3since 2023
-50.0%YoY
Federated & Distributed MLfiltered

Methods for training machine learning models across multiple decentralized devices or servers while keeping data localized, often involving aggregation of model parameters and secure communication.

Machine Learning & AI
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3since 2023
n/a
Automated Call Handling & Routing

Systems and methods for automatically managing telephone calls, including intelligent routing based on various criteria, scheduling callbacks, and processing emergency calls.

Telephone Equipment
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2since 2023
0.0%YoY
AI for Medical Diagnostics

Utilizing machine learning, particularly deep learning, to analyze medical data such as images, sensor readings, or physiological signals for disease prediction, diagnosis, or treatment assessment.

Machine Learning & AI
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1since 2023
n/a

Patents

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