Previous studies on the chess game demonstrated that chess experts strongly rely on the activation of memory chunks to manifest accurate decision-making. Although the chunk memory might be affected by temporal constraints, it is unclear why the performance of chess experts is not significantly dropped under time pressure. In this study, our objective is to examine the variations in cognitive neural mechanisms between chess experts and novices under time pressure. The underlying cognitive neural mechanism was carefully inspected by accessing the chess game performance between 20 local experienced and 20 inexperienced chess players with 1-minute and 5-minute time constraints. In addition, functional near-infrared spectroscopy (fNIRS) recordings were carried out for each individual from the two groups while playing a 1-minute or 5-minute chess game. It was discovered that under temporal constraints, players exhibited different patterns of functional connectivity in frontal-parietal regions, suggesting that temporal stress can enhance segmentation processes in chess games. In particular, the experienced group exhibited significantly enhanced functional connectivity networks under time pressure including the dorsolateral prefrontal cortex, inferior frontal gyrus, supramarginal gyrus, and postcentral gyrus, which demonstrated the important role of the segmentation process for experienced players under time pressure. Our study found that experienced players were able to enhance recall, reorganize, and integrate chunks to improve chess performance under time pressure.