ALEXANDRIA, Va., March 3 -- United States Patent no. 12,566,809, issued on March 3, was assigned to Visa International Service Association (San Francisco).
"Graph learning and automated behavior coordination platform" was invented by Theodore Harris (Foster City, Calif.), Tatiana Korolevskaya (Foster City, Calif.), Yue Li (Foster City, Calif.) and Jerry Wald (San Francisco).
According to the abstract* released by the U.S. Patent & Trademark Office: "A system receives transaction data from payment devices of a user. The system generates a transaction profile of the user based on the received transaction data. Based on the transactional parameters, the system determines a community of the user. The system further receives one or more predef...