ALEXANDRIA, Va., Dec. 31 -- United States Patent no. 12,512,992, issued on Dec. 30, was assigned to Bank of America Corp. (Charlotte, N.C.).
"Real time channel affinity derivation" was invented by Sushama Shelke (Mumbai, India), Ayela Chughtai (New York), Nipun Mahajan (Lawrenceville, N.J.), Amit Mishra (Chennai, India) and Yogesh Raghuvanshi (Princeton, N.J.).
According to the abstract* released by the U.S. Patent & Trademark Office: "Systems and methods are disclosed for real time, frictionless channel switching to map and transpose a transaction on a preferred channel from an incoming channel. The systems and methods may use a machine learning model that processes features from a plurality of channels to determine the preferred channel...