ALEXANDRIA, Va., Sept. 30 -- United States Patent no. 12,430,651, issued on Sept. 30, was assigned to The 41st Parameter Inc. (Scottsdale, Ariz.).

"Systems and methods for accessing records via derivative locators" was invented by Ori Eisen (Scottsdale, Ariz.).

According to the abstract* released by the U.S. Patent & Trademark Office: "Systems and methods are provided for accessing records using derivative locators. An open financial transaction may be initiated by a consumer at a merchant. The merchant may provide transaction information to the acquiring bank, which may provide transaction to the global financial network, which may provide transaction information to an issuing bank. One or more requesting party (e.g., one or more of the ...