ALEXANDRIA, Va., June 25 -- United States Patent no. 12,339,987, issued on June 24, was assigned to Wells Fargo Bank N.A. (San Francisco).

"Automated machine learning access rights engine" was invented by Alejandro J. Carao (Atlanta), Robert William Childress (Peoria, Ariz.), Donnell Douglas (Charlotte, N.C.), Jaisimha L. Gyanmote (Buffalo Grove, Ill.), Jonathan Wayne Ingram (Covington, Wash.), Gokarna KC (Concord, N.C.), Naresh Kumar Koppuravuri (Hyderabad, India), Suki Ramasamy (Chennai, India), Tara R. Ross (Norwalk, Iowa) and Vijay Talupula (YSR Kadapa District, India).

According to the abstract* released by the U.S. Patent & Trademark Office: "A method may include accessing digital characteristics associated with a user identifier, t...