ALEXANDRIA, Va., June 12 -- United States Patent no. 12,299,658, issued on May 13, was assigned to EARLY WARNING SERVICES LLC (Scottsdale, Ariz.).

"Secure real-time transactions" was invented by Paul Finch (Scottsdale, Ariz.) and Lou Anne Alexander (Scottsdale, Ariz.).

According to the abstract* released by the U.S. Patent & Trademark Office: "A system including one or more processors, a merchant account database including a plurality of merchant identifiers being associated with a plurality of merchants, a plurality of account identifiers associated with the plurality of merchants, and a mapping associating the plurality of merchant identifiers with the plurality of account identifiers, a transaction database and one or more non-transito...