ALEXANDRIA, Va., Feb. 19 -- United States Patent no. 12,229,153, issued on Feb. 18, was assigned to Wells Fargo Bank N.A. (San Francisco).
"Query-based binarized point decisions" was invented by Rameshchandra Bhaskar Ketharaju (Hyderabad, India) and Naveen Gururaja Yeri (Bangalore, India).
According to the abstract* released by the U.S. Patent & Trademark Office: "Embodiments are generally directed to techniques for query-based binarized point decisions, such as with a system that can provide end-to-end decision making support. Some embodiments are particularly directed to a system that makes point decisions, with traceable reasoning, for queries while factoring in a variety of influences. In many embodiments, the traceable reasoning may ...