ALEXANDRIA, Va., Sept. 1 -- United States Patent no. 12,725,165, issued on Sept. 1, was assigned to Wells Fargo Bank N.A. (San Francisco).

"Systems and methods for authentication based on personal network" was invented by Tiffany N. Twilley (Foster City, Calif.), Michael Tilaro (San Francisco), Jonathan E. Hoveland (Charlotte, N.C.), Sara V. Althoff (Apple Valley, Minn.) and Jay M. Bozicevich (Golden Valley, Minn.).

According to the abstract* released by the U.S. Patent & Trademark Office: "A financial institution computing system includes a network circuit exchanging information over a network, a customer database storing financial information, and a transaction circuit. The transaction circuit receives a transaction request associated w...