ALEXANDRIA, Va., June 16 -- United States Patent no. 12,657,591, issued on June 16, was assigned to Wells Fargo Bank N.A. (San Francisco).

"Automated billpay based on cross-provider performance information" was invented by Jim Carlough (San Francisco), Srinivas R. Doki (San Francisco), Debashis Ghosh (Charlotte, N.C.), Richard Claude Robert Trent (Newton, N.C.) and Jane Turpin (San Francisco).

According to the abstract* released by the U.S. Patent & Trademark Office: "Systems, methods, and computer-readable storage media for performance indicator operations. One method includes identifying, by one or more processing circuits, user activity data and one or more performance indicators of a user. The method further includes modeling, by the ...