ALEXANDRIA, Va., Sept. 24 -- United States Patent no. 12,743,695, issued on Sept. 22, was assigned to FIDELITY INFORMATION SERVICES LLC (Jacksonville, Fla.).

"Methods, systems, and devices for machine learning-based contextual engagement decision engine" was invented by Stephane Wyper (Woodland Hills, Calif.) and James Clayton (Sanborn, N.Y.).

According to the abstract* released by the U.S. Patent & Trademark Office: "A system for processing a transaction at a point of engagement comprising receiving an input interaction from a user, communicating with a plurality of identity providers to validate an identity of the user, communicating with a plurality of payment providers to collect available payment or funding options, mapping the input...