ALEXANDRIA, Va., April 7 -- United States Patent no. 12,596,964, issued on April 7, was assigned to Visa International Service Association (San Francisco).

"System, method, and computer program product for time-based ensemble learning using supervised and unsupervised machine learning models" was invented by Yinhe Cheng (Austin, Texas), Yu Gu (Austin, Texas) and Sam Peter Hamilton (Los Altos, Calif.).

According to the abstract* released by the U.S. Patent & Trademark Office: "Provided are systems for ensemble learning with machine learning models that include a processor to receive a training dataset of a plurality of data instances, wherein each data instance comprises a time series of data points, add an amount of time delay to one or m...