# U.S. Bancorp: Research, patents and partnerships

Source: https://www.bankingnewsai.com/banks/us-bancorp/ai-research-patents-partnerships
Last updated: Oct 16, 2026

*Part of the [U.S. Bancorp AI strategy profile](https://www.bankingnewsai.com/banks/us-bancorp).*

## 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. ([Google Patents (USPTO)](https://patents.google.com/patent/US12401680B1/en), [Google Patents (USPTO)](https://patents.google.com/patent/US12367353B1/en), [Google Patents (USPTO)](https://patents.google.com/patent/US12602308B1/en), [Google Patents (USPTO)](https://patents.google.com/patent/US20250265589A1/en), [Google Patents (USPTO)](https://patents.google.com/patent/US20260141744A1/en), [Banking Dive](https://bankingdive.com/news/us-bank-shifts-critical-apps-aws-ai-push/819964), [U.S. Bank](https://www.usbank.com/about-us-bank/news-and-stories/article-library/us-bank-launches-ai-driven-cash-forecasting-tool.html), [Mastercard](https://mastercard.com/us/en/news-and-trends/stories/2025/agentic-commerce-momentum.html), [American Banker](https://www.americanbanker.com/news/beyond-token-maxing-how-u-s-bank-ai-chief-navigates-costs), [Personetics (PR Newswire)](https://www.prnewswire.com/il/news-releases/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-820758693.html))

## 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 | Sources |
| --- | --- | --- | --- | --- |
| 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 | [Google Patents (USPTO)](https://patents.google.com/patent/US20260141744A1/en) |
| US12602308B1 | LLM-assisted hierarchical code review system | Granted | Filed September 4, 2025 | [Google Patents (USPTO)](https://patents.google.com/patent/US12602308B1/en) |
| US12401680B1 | Agentic on-device adaptation for increasing node efficiency by accommodating distribution shifts | Granted | August 26, 2025 | [Google Patents (USPTO)](https://patents.google.com/patent/US12401680B1/en) |
| US20250265589A1 | Nodal data structure for fraud ring detection (family granted as US 12,548,030 B2) | Application published | August 21, 2025 | [Google Patents (USPTO)](https://patents.google.com/patent/US20250265589A1/en) |
| US12367353B1 | Control parameter feedback protocol for adapting to data stream response feedback (LLM on transaction-card data) | Granted | July 22, 2025 | [Google Patents (USPTO)](https://patents.google.com/patent/US12367353B1/en) |
| US12277565B2 | System for identifying points of compromise in card fraud | Granted | April 15, 2025 | [Google Patents (USPTO)](https://patents.google.com/patent/US12277565B2/en) |
| US20240394705A1 | Smart contract creation and management using generative AI with model merging | Application published | November 28, 2024 | [Google Patents (USPTO)](https://patents.google.com/patent/US20240394705A1/en) |
| US20240144204A1 | Check fraud detection comparing a check image and signature with a reference | Application published | May 2, 2024 | [Google Patents (USPTO)](https://patents.google.com/patent/US20240144204A1/en) |

## Who are U.S. Bank's AI partners?

Named partners, what each supplies and when it was disclosed.

| Partner | Type | What it is | Date | Sources |
| --- | --- | --- | --- | --- |
| 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 | [Banking Dive](https://bankingdive.com/news/us-bank-shifts-critical-apps-aws-ai-push/819964), [American Banker](https://americanbanker.com/news/u-s-bank-cobank-rocket-share-ai-use-cases-at-aws-event) |
| 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 | [American Banker](https://www.americanbanker.com/news/beyond-token-maxing-how-u-s-bank-ai-chief-navigates-costs) |
| GitHub, Cognition, Anthropic (Claude Code) | Coding tools | Engineers started on GitHub Copilot and now also get Cognition and Claude Code | July 30, 2026 | [American Banker](https://www.americanbanker.com/news/beyond-token-maxing-how-u-s-bank-ai-chief-navigates-costs) |
| Kyriba | Treasury software | AI-enabled forecasting engine behind U.S. Bank Liquidity Manager for mid-sized and large firms | November 18, 2025 | [U.S. Bank](https://www.usbank.com/about-us-bank/news-and-stories/article-library/us-bank-launches-ai-driven-cash-forecasting-tool.html) |
| Mastercard | Agentic payments | U.S. Bank cardholders enabled for Agent Pay; the innovation team works with Mastercard on agentic commerce | 2025-2026 | [Mastercard](https://mastercard.com/us/en/news-and-trends/stories/2025/agentic-commerce-momentum.html), [American Banker](https://americanbanker.com/news/what-u-s-banks-innovation-leaders-liked-at-ces-this-year) |
| Personetics | AI personalisation vendor | Named U.S. Bank among flagship clients in 2021 and 2022 releases; deployment not described | 2021-2022 | [Personetics (PR Newswire)](https://www.prnewswire.com/il/news-releases/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-820758693.html), [Personetics (Business Wire)](https://www.businesswire.com/news/home/20220119005014/en/Personetics-Secures-Over-%24160-Million-in-2021-and-Accelerates-the-Global-Expansion-of-its-AI-Driven-Personalization-and-Engagement-Solutions-for-Financial-Institutions-With-%2485-Million-Investment-From-Thoma-Bravo) |
| Featurespace (Elavon) | AI fraud detection | Elavon listed among Featurespace clients when Visa agreed to buy it | September 26, 2024 | [Payments Dive](https://www.paymentsdive.com/news/visa-acquisition-cybersecurity-firm-featurespace-artificial-intelligence-fraud/728183/) |

## 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'. ([U.S. Bank](https://www.usbank.com/about-us-bank/news-and-stories/article-library/us-bank-launches-design-assistant-an-ai-solution-to-empower-designers-at-scale.html), [American Banker](https://americanbanker.com/news/what-u-s-banks-innovation-leaders-liked-at-ces-this-year), [American Banker](https://www.americanbanker.com/news/u-s-banks-dilip-venkatachari-is-15-on-the-most-innovative-people-in-finance-ranking))

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. ([U.S. Bank](https://usbank.com/about-us-bank/company-blog/article-library/introducing-the-us-bank-smart-assistant.html), [U.S. Bank](https://usbank.com/about-us-bank/company-blog/article-library/us-bank-launches-nations-first-spanish-language-voice-assistant-for-banking.html), [U.S. Bank](https://usbank.com/corporate-and-commercial-banking/insights/payments-hub/trends/treasury-management-ai.html))

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. ([U.S. Bank](https://usbank.com/about-us-bank/news-and-stories/article-library/genai-assistant-helps-companies-embed-us-bank-solutions-into-their-platforms.html), [U.S. Bank](https://www.usbank.com/about-us-bank/news-and-stories/article-library/ai-powered-statement-analyzer-simplifies-payment-services-for-small-businesses.html))

## What does the U.S. Bank profile record on this topic?

| Date | Move | Detail | Sources |
| --- | --- | --- | --- |
| 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. | [Banking Dive](https://bankingdive.com/news/us-bank-shifts-critical-apps-aws-ai-push/819964), [American Banker](https://americanbanker.com/news/u-s-bank-cobank-rocket-share-ai-use-cases-at-aws-event) |
| 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. | [U.S. Bank](https://www.usbank.com/about-us-bank/news-and-stories/article-library/us-bank-launches-design-assistant-an-ai-solution-to-empower-designers-at-scale.html) |
| 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. | [U.S. Bank](https://usbank.com/content/dam/usbank/en/documents/pdfs/about-us-bank/2025-annual-report.pdf) |
| 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. | [U.S. Bancorp via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/36104/000003610426000011/usb-20251231_d2.htm), [U.S. Bancorp via SEC EDGAR](https://www.sec.gov/Archives/edgar/data/36104/000003610426000011/usb-20251231.htm) |
| 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. | [American Banker](https://americanbanker.com/news/what-u-s-banks-innovation-leaders-liked-at-ces-this-year), [Banking Dive](https://bankingdive.com/news/us-bank-ces-agentic-ai-digital-banking-innovation-relyea/809574) |
| Nov 18, 2025 | AI-driven cash forecasting tool | U.S. Bank Liquidity Manager, powered by Kyriba, for mid-sized and large firms. | [U.S. Bank](https://www.usbank.com/about-us-bank/news-and-stories/article-library/us-bank-launches-ai-driven-cash-forecasting-tool.html) |
| 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. | [Mastercard](https://mastercard.com/us/en/news-and-trends/stories/2025/agentic-commerce-momentum.html) |
| 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. | [Google Patents (USPTO)](https://patents.google.com/patent/US12401680B1/en) |
| 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. | [Google Patents (USPTO)](https://patents.google.com/patent/US20250265589A1/en) |
| 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. | [Google Patents (USPTO)](https://patents.google.com/patent/US12367353B1/en) |
| 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. | [Payments Dive](https://www.paymentsdive.com/news/visa-acquisition-cybersecurity-firm-featurespace-artificial-intelligence-fraud/728183/) |
| 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. | [U.S. Bank](https://www.usbank.com/about-us-bank/news-and-stories/article-library/ai-powered-statement-analyzer-simplifies-payment-services-for-small-businesses.html) |

## Common questions

### 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.
## Deeper on U.S. Bank

- [What is U.S. Bancorp's AI strategy?](https://www.bankingnewsai.com/banks/us-bancorp/ai-strategy)
- [What is the U.S. Bank Smart Assistant?](https://www.bankingnewsai.com/banks/us-bancorp/virtual-assistant)
- [What technology stack does U.S. Bank run its AI on?](https://www.bankingnewsai.com/banks/us-bancorp/technology-stack)


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