ALEXANDRIA, Va., March 26 -- United States Patent no. 12,259,961, issued on March 25, was assigned to Visa International Service Association (San Francisco).
"Efficient interaction processing using secret" was invented by Yuexi Chen (Foster City, Calif.) and Marc Kekicheff (Foster City, Calif.).
According to the abstract* released by the U.S. Patent & Trademark Office: "A method includes an access device determining an interaction value associated with an interaction. The access device prompts a user operating a user device for a secret. The access device receives the secret. The access device receives an initial communication then a user device certificate comprising a public key from the user device. The access device then verifies the ...