ALEXANDRIA, Va., March 12 -- United States Patent no. 12,248,862, issued on March 11, was assigned to Wells Fargo Bank N.A. (San Francisco).

"System for deep learning using knowledge graphs" was invented by David Newman (Walnut Creek, Calif.).

According to the abstract* released by the U.S. Patent & Trademark Office: "A method may include receiving data from a computing device requesting approval of a loan application; accessing time-series data associated with the user from a knowledge graph; building a feature vector based on the accessed time-series data; inputting the feature vector into a machine learning model; receiving a response from the output from the machine learning mode, the output indicating a level of approval for the user...