ALEXANDRIA, Va., June 17 -- United States Patent no. 12,316,764, issued on May 27, was assigned to Visa International Service Association (San Francisco).
"Token failsafe system and method" was invented by Barbara Patterson (South San Francisco, Calif.) and Anjana Surin (Foster City, Calif.).
According to the abstract* released by the U.S. Patent & Trademark Office: "A method comprises a token requestor computer transmitting a first authorization request message comprising a token and first cryptogram for authorization of an interaction to a server computer. The token requestor computer receives a first authorization response message comprising a response code from the server computer, then generates a cryptogram request message comprisin...