US Patent Issued to PAYPAL on May 20 for "Secure multi-factor user authentication on disconnected mobile devices" (Texas Inventor)

ALEXANDRIA, Va., June 16 -- United States Patent no. 12,307,446, issued on May 20, was assigned to PAYPAL INC. (San Jose, Calif.).

"Secure multi-factor user authentication on disconnected mobile devices" was invented by Srinivasan Varadarajan (Austin, Texas).

According to the abstract* released by the U.S. Patent & Trademark Office: "Embodiments described herein disclose a mobile device system for providing access to a subset of data within an application executed by the mobile device. During a first time period, when the mobile device is connected to a network, authentication information corresponding to a user account with a payment services provider is received. A biometric authentication signature and password are received in response...