ALEXANDRIA, Va., July 9 -- United States Patent no. 12,354,118, issued on July 8, was assigned to Mastercard Technologies Canada ULC (Vancouver, Canada).

"Online application origination (OAO) service for fraud prevention systems" was invented by John Hearty (Vancouver, Canada), Anton Laptiev (Vancouver, Canada), Christopher Bailey (Langley, Canada), Carrie Ka Lai Cheung (Burnaby, Canada), Igor Opushnyev (New Westminster, Canada), Sik Suen Chan (Richmond, Canada), Randy Lukashuk (Errington, Canada) and Parin Prashant Shah (Vancouver, Canada).

According to the abstract* released by the U.S. Patent & Trademark Office: "A fraud prevention system that includes a client server and a fraud prevention server. The fraud prevention server includes ...