ALEXANDRIA, Va., Nov. 6 -- United States Patent no. 12,463,952, issued on Nov. 4, was assigned to Walmart Apollo LLC (Bentonville, Ark.).

"Multichannel authentication and tokenization system" was invented by Abhishek Paul (Union City, Calif.), Dipanjan Bandyopadhyay (Fremont, Calif.) and Prem Kumar Mani (San Jose, Calif.).

According to the abstract* released by the U.S. Patent & Trademark Office: "In some embodiments, apparatuses and methods are provided herein useful to multichannel authentication and tokenization. A system comprises a first authentication system serving a plurality of in-store point of sale terminals and implementing a physical channel authentication policy and a second authentication system serving a plurality of user ...