ALEXANDRIA, Va., Sept. 10 -- United States Patent no. 12,413,576, issued on Sept. 9, was assigned to Capital One Services LLC (McLean, Va.).

"Time-based token trust depreciation" was invented by Justin Bachorik (Silver Spring, Md.), Randall Randall (New York), Brandee Shin (Herndon, Va.) and Rocky Gray (Fairfax, Va.).

According to the abstract* released by the U.S. Patent & Trademark Office: "Disclosed herein are system, method, and device embodiments for time-based trust token (TBTT) depreciation. In an example embodiment, a service provider system (e.g., a service provider and API service) may receive a connection request including a demographic attribute associated with a first client account from a partner device, match the demographi...