ALEXANDRIA, Va., Jan. 20 -- United States Patent no. 12,530,688, issued on Jan. 20, was assigned to MASTERCARD INTERNATIONAL INCOPORATED (Purchase, N.Y.).

"Methods and systems for leveraging transactions to dynamically authenticate a user" was invented by Debashis Ghosh (Charlotte, N.C.) and Randy Shuken (Westport, Conn.).

According to the abstract* released by the U.S. Patent & Trademark Office: "A system and method for authenticating a candidate user accessing a host computing device as an authentic user is provided. The host computing device is in communication with an authenticating computing device. The method includes receiving, by the authenticating computing device, a request to authenticate the candidate user as an authentic user...