ALEXANDRIA, Va., June 9 -- United States Patent no. 12,651,238, issued on June 9, was assigned to Stripe LLC (South San Francisco, Calif.).

"Machine-learning based delay prediction" was invented by Salil Bapat (Bellevue, Wash.), Mark Tokutomi (Reno, Nev.), Sankash Shankar (Brooklyn, N.Y.), Ville-Jalmari Koskela (Redmond, Wash.), Sumeet Bedi (Kirkland, Wash.), Eric Kramer (San Francisco), Devesh Chourasiya (Mountain View, Calif.) and Albert Koy (Sunnyvale, Calif.).

According to the abstract* released by the U.S. Patent & Trademark Office: "Aspects of the subject technology include obtaining a transfer request event associated with a transaction, the transfer request event indicating a request day of week and time of day, and, when the requ...