ALEXANDRIA, Va., June 5 -- United States Patent no. 12,278,814, issued on April 15, was assigned to Wells Fargo Bank N.A. (San Francisco).

"Apparatuses, methods, and computer program products for offline authentication" was invented by Peter Bordow (Fountain Hills, Ariz.), Jeff J. Stapleton (O'Fallon, Mo.) and Ramesh Yarlagadda (Charlotte, N.C.).

According to the abstract* released by the U.S. Patent & Trademark Office: "A method, apparatus, and computer program product for offline authentication are provided. An example method includes receiving, by a computing device, a request for authentication from a first user device associated with a first user. The request includes first authentication credentials generated based upon user attribu...