ALEXANDRIA, Va., July 16 -- United States Patent no. 12,363,104, issued on July 15, was assigned to Visa International Service Association (San Francisco).
"Provisioning transferable access tokens" was invented by Prasanth Yeddula (Sunnyvale, Calif.) and Ashwini Laxminarayana Tantry (Fremont, Calif.).
According to the abstract* released by the U.S. Patent & Trademark Office: "Methods and systems for provisioning transferable access tokens are disclosed. An access device associated with a resource provider can communicate with a first communication device as part of an interaction between a first user and the resource provider. The access device can generate an authorization request message comprising a first access token and an interactio...