ALEXANDRIA, Va., July 9 -- United States Patent no. 12,354,139, issued on July 8, was assigned to Wells Fargo Bank N.A. (San Francisco).

"Systems and methods for providing recommendations relating to customer state" was invented by Ashish B. Kurani (Hillsborough, Calif.), James C. Noe (Charlotte, N.C.), Imran Haider (San Ramon, Calif.), Frank Fehrenbach (New York), Guruprasadh Ragothaman (San Francisco), Matthew C. Strader (San Francisco), Palani Munuswamy (San Francisco), Chandra Subramanian (San Francisco), George Atala (San Francisco), Mattie L. Morris (Chandler, Ariz.), Braden More (San Francisco), Loftlon Worth (San Francisco) and Nathan B. Coles (San Francisco).

According to the abstract* released by the U.S. Patent & Trademark Offi...