ALEXANDRIA, Va., Jan. 29 -- United States Patent no. 12,211,019, issued on Jan. 28, was assigned to Wells Fargo Bank N.A. (San Francisco).
"Smart chaining" was invented by Michael R. Thomas (San Francisco), Elizabeth Schrag (Walnut Creek, Calif.), Jimmy Wang (Alamo, Calif.) and Jerome Rhodes (Hayward, Calif.).
According to the abstract* released by the U.S. Patent & Trademark Office: "Identification information is received at a transaction machine. The identification information is associated with a user associated with an account. Using an activity profile of the user, a determination is made to enable chained transactions during the user's use of the transaction machine. A sequence of user interfaces to display to the user is generated ...