ALEXANDRIA, Va., Nov. 6 -- United States Patent no. 12,462,212, issued on Nov. 4, was assigned to United Services Automobile Association (USAA) (San Antonio).

"System and method for incentivizing task performance using token-based authentication of electronic transactions" was invented by Mark Paxman Warnick (San Antonio), Will Kerns Maney Jr. (New York City, N.Y.), Elena Marie Carrasco (Converse, Texas), Ravi Durairaj (San Antonio), Donald Nathaniel Holloway III (San Antonio), Roberto Virgillio Jolliffe (San Antonio), Surender Kumar (Palatine, Ill.), Jeanie Graciela Lopez (San Antonio), Ivan Ortiz (Little Elm, Texas), Nathan Lee Post (Rockport, Texas), Nolan Serrao (Plano, Texas) and David Michael Schlittler (San Antonio).

According to t...