What AI patents and partnerships does U.S. Bank have?
U.S. Bank patents its own AI work and buys models and platforms from several providers. Google Patents lists AI filings assigned to U.S. Bank National Association including US 12,401,680 B1 (agentic on-device adaptation, granted August 2025), US 12,367,353 B1 (a feedback protocol whose description covers an LLM working on card data, July 2025), US 12,602,308 B1 (LLM-assisted hierarchical code review, filed September 2025), a fraud-ring graph family granted in 2026, check-fraud and point-of-compromise filings, and a May 2026 application on entity extraction with an ensemble of trained models. Its named partners are Amazon Web Services (a multiyear May 2026 agreement covering Bedrock, Nova Sonic and Connect Customer), Kyriba (the forecasting engine in Liquidity Manager, November 2025) and Mastercard (Agent Pay, September 2025). Chief AI Officer Prashant Mehrotra says the bank balances proprietary and open-source models with models from OpenAI, Anthropic and Google, and gives engineers GitHub Copilot, Cognition and Claude Code. Personetics named U.S. Bank a flagship client in 2021. No university research lab, AI venture fund or model-provider contract terms are public.[1][2][3][4][5][6][7][8][9][10]
Data as of Oct 16, 2026 · U.S. Bank profile updated Oct 13, 2026 · 29 sources cited on this page · 140 banks profiled on this site · Markdown
Which AI patents has U.S. Bank been granted or filed?
Assignee U.S. Bank National Association on Google Patents. Applications are not yet rights. A selection for AI relevance, not a count.
| Number | Title | Status | Date |
|---|---|---|---|
| US20260141744A1 | Image reading systems for entity extraction, grouping and validation, selecting among multiple trained models by voting ensemble | Application published (continuation; priority April 1, 2021) | May 21, 2026[5] |
| US12602308B1 | LLM-assisted hierarchical code review system | Granted | Filed September 4, 2025[3] |
| US12401680B1 | Agentic on-device adaptation for increasing node efficiency by accommodating distribution shifts | Granted | August 26, 2025[1] |
| US20250265589A1 | Nodal data structure for fraud ring detection (family granted as US 12,548,030 B2) | Application published | August 21, 2025[4] |
| US12367353B1 | Control parameter feedback protocol for adapting to data stream response feedback (LLM on transaction-card data) | Granted | July 22, 2025[2] |
| US12277565B2 | System for identifying points of compromise in card fraud | Granted | April 15, 2025[11] |
| US20240394705A1 | Smart contract creation and management using generative AI with model merging | Application published | November 28, 2024[12] |
| US20240144204A1 | Check fraud detection comparing a check image and signature with a reference | Application published | May 2, 2024[13] |
Who are U.S. Bank's AI partners?
Named partners, what each supplies and when it was disclosed.
| Partner | Type | What it is | Date |
|---|---|---|---|
| Amazon Web Services | Cloud and AI platform | Multiyear migration of hundreds of mission-critical applications; Bedrock, Nova Sonic and Connect Customer for GenAI and agents across lines of business | May 7, 2026[6][14] |
| OpenAI, Anthropic, Google | Model providers | Frontier models balanced with proprietary and open-source models so the bank is not tied to one provider | July 30, 2026[9] |
| GitHub, Cognition, Anthropic (Claude Code) | Coding tools | Engineers started on GitHub Copilot and now also get Cognition and Claude Code | July 30, 2026[9] |
| Kyriba | Treasury software | AI-enabled forecasting engine behind U.S. Bank Liquidity Manager for mid-sized and large firms | November 18, 2025[7] |
| Mastercard | Agentic payments | U.S. Bank cardholders enabled for Agent Pay; the innovation team works with Mastercard on agentic commerce | 2025-2026[8][15] |
| Personetics | AI personalisation vendor | Named U.S. Bank among flagship clients in 2021 and 2022 releases; deployment not described | 2021-2022[10][16] |
| Featurespace (Elavon) | AI fraud detection | Elavon listed among Featurespace clients when Visa agreed to buy it | September 26, 2024[17] |
What AI has U.S. Bank built itself?
The bank's AI Center of Excellence, which came out of chief innovation officer Don Relyea's group, built Design Assistant with the Experience Design team (March 2026) and is building agentic services into apps and online banking; Venkatachari says 'the agentic software that we developed underpins all the early AI use cases'.[18][15][19]
Conversational AI has in-house engineering behind it: the Smart Assistant (2020) uses natural language processing, and for the Spanish version the bank's software engineers used 'a hybrid approach using smart technology, natural language processing and real-time interpretation'. Treasury teams pair machine learning with optical character recognition for sanctions screening.[20][21][22]
Other in-house tools include the GenAI Developer Assistant in the Developer Portal, which the bank says supports billions of API requests, and STAT, a merchant-statement analyser first deployed in 2022 and rebuilt on vision AI.[23][24]
What does the U.S. Bank profile record on this topic?
The rows below are the entries of the U.S. Bank AI strategy profile that bear on this page, as of Oct 13, 2026; the profile holds the full record of 34 dated moves, 18 use cases and 51 sources.
| Use case | What the record shows | Status | Source |
|---|---|---|---|
| Design Assistant and developer-portal assistant | In-house generative tools for designers and API users. | In production | [18][25] |
| Liquidity Manager cash forecasting | AI forecasting and scenario planning for corporate clients, with Kyriba. | In production | [7] |
| GenAI code-review assistant and coding agents | A GenAI code-review assistant cuts review time by 75%; engineers moved from GitHub Copilot to a wider set of tools including Cognition and Claude Code, and AI is also used to test more code. | In production | [26][9] |
| Mastercard Agent Pay | U.S. Bank cardholders were enabled for agent-initiated payments on Mastercard's agentic tokens in September 2025. | In production | [8] |
| Multi-model, multi-vendor stack | Proprietary and open-source models balanced with models from OpenAI, Anthropic and Google, so the bank is not stuck with one provider; AWS and Kyriba are the named platform partners. | In production | [9][6][7] |
| Date | Move | Detail | Source |
|---|---|---|---|
| May 7, 2026 | Multiyear AWS agreement for cloud and generative AI | Hundreds of mission-critical applications move to AWS; Amazon Bedrock, Nova Sonic and Connect Customer underpin GenAI and AI agents; corporate CIO Andy Bingenheimer describes the contact-centre rollout at AWS's New York symposium. | [6][14] |
| Mar 30, 2026 | Design Assistant launched | Built by the Experience Design team and the AI Center of Excellence to enforce accessibility, brand and content standards. | [18] |
| Feb 23, 2026 | 2025 annual report: AI delivers measurable results | Code-review assistant cuts review time by 75%; Smart Assistant used 2.5 million times a month; contact-centre agents get a GenAI assistant; the CEO letter says the bank built in-house AI capabilities in 2025. | [26] |
| Feb 23, 2026 | 2025 10-K: AI and machine learning as a risk factor | Algorithmic bias, explainability and dataset flaws in AI models; an 'AI Essentials Channel' trains staff on company-approved AI tools. | [27][28] |
| Jan 13, 2026 | Innovation team launches AI and blockchain centres of excellence | After CES, chief innovation officer Don Relyea says the AI Center of Excellence is building agentic, automated services into apps and online banking and working with partners such as Mastercard on agentic commerce. | [15][29] |
| Nov 18, 2025 | AI-driven cash forecasting tool | U.S. Bank Liquidity Manager, powered by Kyriba, for mid-sized and large firms. | [7] |
| Sep 30, 2025 | Mastercard Agent Pay enabled for U.S. Bank cardholders | Mastercard says Citi and U.S. Bank cardholders were already enabled for Agent Pay transactions, with all U.S. Mastercard cardholders to follow by mid-November. | [8] |
| Aug 26, 2025 | Patent granted: agentic on-device adaptation | US 12,401,680 B1 covers adjusting on-device model configurations when context changes; a continuation, US 12,603,915 B1, also appears in Google Patents. | [1] |
| Aug 21, 2025 | Fraud-ring detection patent application published | US 2025/0265589 A1 describes a node graph of accounts and transactions that flags fraud rings; Google Patents lists the family as granted in February 2026 as US 12,548,030 B2. | [4] |
| Jul 22, 2025 | Patent granted: feedback protocol for transaction data | US 12,367,353 B1, assigned to U.S. Bank National Association; the description covers a large language model working on transaction-card data and user input. | [2] |
| Sep 26, 2024 | Elavon named among Featurespace clients | Reporting Visa's deal to buy the AI fraud-detection firm Featurespace, Payments Dive listed U.S. Bank's Elavon among Featurespace's clients, citing an RBC analyst note. | [17] |
| Jan 1, 2022 | STAT statement analyser built in-house | Rolled out to merchant-services reps; later rebuilt on vision AI that reads poor-quality statements. | [24] |
Does U.S. Bank hold AI patents?
Yes. Google Patents lists AI-related filings assigned to U.S. Bank National Association, including granted patents on agentic on-device model adaptation (US 12,401,680 B1, August 2025), LLM-assisted hierarchical code review (US 12,602,308 B1) and a feedback protocol involving an LLM on card data (US 12,367,353 B1), plus fraud-ring, check-fraud and entity-extraction filings.
Which AI models does U.S. Bank use?
Chief AI Officer Prashant Mehrotra said in July 2026 that the bank balances proprietary and open-source models with models from OpenAI, Anthropic and Google, matching model size to the task. Under the May 2026 AWS agreement it also uses Amazon Bedrock and Amazon Nova Sonic for generative AI and agents.
What is U.S. Bank's partnership with AWS?
A multiyear agreement announced May 7, 2026 to move hundreds of mission-critical applications to AWS and build generative AI and AI agents on Amazon Bedrock, Amazon Nova Sonic and Amazon Connect Customer, starting with contact-centre self-service by voice, chat and SMS and extending to lines of business such as mortgage and wealth.
Does U.S. Bank fund AI research or invest in AI startups?
No university AI research program or AI venture investment has been announced. The bank's research-like work is internal: an AI Center of Excellence in its innovation group, in-house tools such as Design Assistant and STAT, and a stream of patent filings by its engineers.
- US12401680B1 - Agentic on-device adaptation for increasing node efficiency by accommodating distribution shifts
- US12367353B1 - Control parameter feedback protocol for adapting to data stream response feedback
- US12602308B1 - LLM-assisted hierarchical code review system
- US20250265589A1 - Systems and methods for implementing a nodal data structure for fraud ring detection
- US20260141744A1: Image reading systems, methods and storage medium for performing entity extraction, grouping and validation (U.S. Bank National Association; priority 2021-04-01)
- U.S. Bank shifts critical apps to AWS for AI push
- U.S. Bank launches AI-driven cash forecasting tool
- How Mastercard's agentic tokens are driving agentic AI commerce
- Beyond token-maxing: How U.S. Bank AI chief navigates costs
- Personetics secures a $75 million investment from Warburg Pincus to accelerate the global expansion of its AI-driven personalization and engagement solutions for financial institutions
- US12277565B2 - System for identifying points of compromise
- US20240394705A1 - Smart contract creation and management using generative artificial intelligence with model merging
- US20240144204A1 - Systems and methods for check fraud detection
- US Bank, CoBank, Rocket share AI use cases at AWS event
- What U.S. Bank's innovation leaders liked at CES this year
- Personetics Secures Over $160 Million in 2021 and Accelerates the Global Expansion of its AI-Driven Personalization and Engagement Solutions for Financial Institutions With $85 Million Investment From Thoma Bravo
- Visa to buy cybersecurity firm Featurespace
- U.S. Bank launches Design Assistant, an AI solution to empower designers at scale
- Dilip Venkatachari's development of agentic AI and digital-asset infrastructures is driving use cases
- Introducing the U.S. Bank Smart Assistant
- U.S. Bank launches nation's first Spanish-language voice assistant for banking
- The future of treasury: How AI is transforming treasury management (undated; accessed 2026-10-15)
- GenAI assistant helps companies embed U.S. Bank solutions into their platforms (undated; accessed 2026-10-15)
- AI-powered Statement Analyzer simplifies payment services for small businesses
- U.S. Bank gives embedded banking clients a gen AI assistant
- U.S. Bancorp Annual Report 2025
- U.S. Bancorp Form 10-K for 2025: financial review and risk factors
- U.S. Bancorp Annual Report on Form 10-K for 2025
- U.S. Bank exec: Customers will want a zero-friction bank partner on AI
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