ALEXANDRIA, Va., June 17 -- United States Patent no. 12,314,946, issued on May 27, was assigned to MasterCard International Inc. (Purchase, N.Y.).

"Dynamic security code authorization verification service" was invented by Maribeth Sevigny Warner (Clarkston, Va.), Pete Kaulbach (Bedford, Canada), Robert C Dunnell (Saint Louis, Mo.), Robert J McDonald (Belleville, Ill.), Kathy Donnelly (Cottleville, Mo.), Thomas Roewe (Belleville, Ill.), Ghassan T Jabr (Wentzville, Mo.), Michael Hochhalter (Lake St. Louis, Mo.), Russell W Ball (Bridgeton, Mo.), Winifred Elizabeth House (Troy, Mo.), Prasad Krishnamoorthy Rao (Wildwood, Mo.), Matthew Hanmer (Northampton, Great Britain) and Nora Kryza (Fenton, Mich.).

According to the abstract* released by the...