ALEXANDRIA, Va., April 15 -- United States Patent no. 12,602,418, issued on April 14, was assigned to Citibank N.A..

"Intelligent query decomposition, specialized model routing, and hierarchical aggregation with conflict resolution" was invented by Ganesh Prasad Bhat (New Jersey, N.J.), James Myers (New York), Zheyu Wang (Shanghai), Haolin Jin (Shanghai), Sourabh Deb (Tampa, Fla.), Jason Ryan Engelbrecht (London), Payal Jain (London), Tariq Husayn Maonah (London), Mariusz Saternus (Cracow, Poland), Daniel Lewandowski (Cracow, Poland), Biraj Krushna Rath (London), Stuart Murray (London), Philip Davies (London), Julisia Jackson (Irving, Texas), Chamindra Desilva (London), Shardul Malviya (London), Wayne Liao (London), Deepak Jain (London), S...