ALEXANDRIA, Va., Sept. 24 -- United States Patent no. 12,744,848, issued on Sept. 22, was assigned to United Services Automobile Association (USAA) (San Antonio).

"Lifecycle management for progressing user interactions via live agent and smart digital agent" was invented by Oscar Roberto Tijerina (San Antonio), Edward Manuel Alonzo III (San Antonio), Daniel Nathan Kalinoski (San Antonio), Keegan Patrick Hayes (Whitestown, Ind.), Octavia Lloyd (Riverview, Fla.) and Oscar Guerra (San Antonio).

According to the abstract* released by the U.S. Patent & Trademark Office: "Aspects of the present disclosure are directed to configuring smart digital agents for interactions over a user interaction lifecycle. Organizations that provide users service...