ALEXANDRIA, Va., Oct. 27 -- United States Patent no. 12,775,928, issued on Oct. 27, was assigned to Block Inc. (Oakland, Calif.).

"Temporarily provisioning card on file payment functionality to proximate merchants" was invented by Shane Blackie (San Francisco), Prashan Dharmasena (San Francisco) and Justin Mckibben (San Francisco).

According to the abstract* released by the U.S. Patent & Trademark Office: "Systems and methods comprising storing an identifier associated with payment data corresponding to a payment instrument of a customer for use in future transactions of the customer; and based at least in part on a determination that one or more merchants, associated with a payment processing service, are associated with a same character...