ALEXANDRIA, Va., June 12 -- United States Patent no. 12,302,100, issued on May 13, was assigned to Zurigo Inc. (San Jose, Calif.).

"Identity authentication using mobile carrier account information and credit bureau information" was invented by Harish Manepalli (San Jose, Calif.) and Chirag C. Bakshi (San Jose, Calif.).

According to the abstract* released by the U.S. Patent & Trademark Office: "A mobile network based authentication system for authenticating a user's access to a restricted-access account includes an application server and an identification server. The application server is configured to authenticate the user's access to the restricted-access account by transmitting a one-time password to a mobile computing device of the use...