ALEXANDRIA, Va., Sept. 23 -- United States Patent no. 12,423,365, issued on Sept. 23, was assigned to Charles Schwab & Co. Inc. (San Francisco).

"Facilitating inter-system data transfer with serialized data objects" was invented by Kevin Michael Wysocki (Denver) and Michelle Schroeder (O'Fallon, Mo.).

According to the abstract* released by the U.S. Patent & Trademark Office: "A computer server includes processor and processing circuitry. The processing circuitry executes instructions to cause the computer server to select, from a database, a user from a plurality of users, encode a unique identifier for the selected user into an image uniform resource locator (URL), transmit a communication incorporating the image URL to a user agent asso...