ALEXANDRIA, Va., Oct. 21 -- United States Patent no. 12,445,533, issued on Oct. 14, was assigned to Bank of America Corp. (Charlotte, N.C.).

"Dynamic caching based on a user's temporal and geographical location" was invented by Shailendra Singh (Thane West, India), Savitri Sibaram Desulu (Mumbai, India), Thomas Boffin James (Mumbai, India) and Amrut Gopal Nayak (Mumbai, India).

According to the abstract* released by the U.S. Patent & Trademark Office: "A system for dynamically caching information includes a memory for storing location information and user information and a processor configured to periodically receive geolocation data associated with a first external device and store that geolocation data, along with a time stamp, as locat...