ALEXANDRIA, Va., July 14 -- United States Patent no. 12,681,955, issued on July 14, was assigned to United Services Automobile Association (USAA) (San Antonio).

"Methods and systems for electronic generation of narratives" was invented by Michael James Waldmeier (Helotes, Texas) and John Luke Horgan (San Antonio).

According to the abstract* released by the U.S. Patent & Trademark Office: "Methods and systems described in this disclosure are directed to electronically generating narratives and tracking a user's actions in responses to receiving the narratives. The disclosed system can rank narratives for effectiveness of a narrative based on the responses. In some embodiments, the narratives can be classified into categories based on crite...