US Patent Issued to Wells Fargo Bank on Jan. 20 for "Systems and methods for smart card online purchase authentication" (California Inventor)

ALEXANDRIA, Va., Jan. 20 -- United States Patent no. 12,530,665, issued on Jan. 20, was assigned to Wells Fargo Bank N.A. (San Francisco).

"Systems and methods for smart card online purchase authentication" was invented by Brian M. Pearce (Pleasanton, Calif.).

According to the abstract* released by the U.S. Patent & Trademark Office: "A method of authenticating a transaction includes receiving, by a computing system, an authentication request regarding the transaction. The authentication request can include a code from a user device of a user and payment information. The code can include a cryptogram provided to the user device from a smart card via a first communication. The payment information can be provided to the user device via a se...