ALEXANDRIA, Va., March 31 -- United States Patent no. 12,591,877, issued on March 31, was assigned to Capital One Services LLC (McLean, Va.).

"Intelligent card unlock" was invented by Abdelkader M'Hamed Benkreira (Washington), Tyler Maiman (Melville, N.Y.) and Brendan Way (Brooklyn, N.Y.).

According to the abstract* released by the U.S. Patent & Trademark Office: "Various examples generally directed to unlocking a locked contactless card for use as payment in card-present transactions are provided. The contactless card is a payment card associated with a payment account. An application executing on a mobile device may be operable to enable unlocking the locked contactless card and receive an indication that the contactless card associated...