ALEXANDRIA, Va., June 4 -- United States Patent no. 12,321,916, issued on June 3, was assigned to Apple Inc. (Cupertino, Calif.).

"Recommendation of payment credential to be used based on merchant information" was invented by Michael Giles (San Jose, Calif.), Craig P. Dooley (Cupertino, Calif.), Anjali S. Sandesara (Cupertino, Calif.) and Abuzar Amini (San Jose, Calif.).

According to the abstract* released by the U.S. Patent & Trademark Office: "Systems, methods, and computer-readable media for providing a recommendation of a payment credential to be used by an electronic device in a commercial transaction based on merchant information received by the electronic device are provided. In one example embodiment, a method, at an electronic de...