US Patent Issued to Visa International Service Association on Feb. 3 for "Multifunctional user device" (California, New York Inventors)

ALEXANDRIA, Va., Feb. 3 -- United States Patent no. 12,541,760, issued on Feb. 3, was assigned to Visa International Service Association (San Francisco).

"Multifunctional user device" was invented by Matthew Dill (San Francisco), Girish Pandey (NY, N.Y.), Brendan Grant (San Francisco) and Rubail Birwadker (San Francisco).

According to the abstract* released by the U.S. Patent & Trademark Office: "A method includes a data processing computer receiving an authorization request message comprising a user device identifier, addition method data, and an amount for an interaction from a network processing computer. The network processing puter determined the user device identifier from a token associated with a first interaction type of a plural...