ALEXANDRIA, Va., Aug. 20 -- United States Patent no. 12,393,645, issued on Aug. 19, was assigned to Credit Karma LLC (Oakland, Calif.).
"System and/or method for personalized driver classifications" was invented by Sambuddha Bhattacharya (San Francisco), Nikhil Mudaliar (San Francisco), Rajesh Bhat (San Francisco), Udit Gupta (San Francisco) and Tapan Bhardwaj (San Francisco).
According to the abstract* released by the U.S. Patent & Trademark Office: "The system can include a plurality of data processing modules (e.g., machine learning models, rule-based models, etc.), which can include: a feature generation module, a Driver versus Passenger (DvP) classification module, a validation module, an update module, and/or any other suitable data...