ALEXANDRIA, Va., Sept. 23 -- United States Patent no. 12,423,761, issued on Sept. 23, was assigned to Xero Ltd. (New Zealand).

"Transaction data processing systems and methods" was invented by Delia Rusu (Wellington, New Zealand), Hayden Jeune (Wellington, New Zealand), Rebecca Dridan (Wellington, New Zealand), Soon-Ee Cheah (Wellington, New Zealand), Brett Calcott (Wellington, New Zealand), Zhimin Wang (Wellington, New Zealand), Quentin-Gabriel Thurier (Wellington, New Zealand), Fubiao Qin (Wellington, New Zealand) and Niklas Patrick Pechan (Wellington, New Zealand).

According to the abstract* released by the U.S. Patent & Trademark Office: "Described embodiments relate to determining a candidate financial record associated with a transa...