ALEXANDRIA, Va., July 9 -- United States Patent no. 12,355,760, issued on July 8, was assigned to Xero Ltd. (Wellington, New Zealand).

"Multi-factor authentication" was invented by Steven Tan (Wellington, New Zealand) and Nathan Kear (Wellington, New Zealand).

According to the abstract* released by the U.S. Patent & Trademark Office: "A method comprises sending, from an authentication application deployed on a second computing device to the system, a first authentication code, the first authentication code being generated from a shared code and an authentication application time, wherein the shared code is a code previously shared between the second computing device and the system, and the authentication application time is based on a fir...