ALEXANDRIA, Va., July 21 -- United States Patent no. 12,688,492, issued on July 21, was assigned to CCS12 (Marseilles, France).

"Payment card, authentication method and use for a remote payment" was invented by William Smadja (Marseilles, France) and Marlene Abisdid (Marseilles, France).

According to the abstract* released by the U.S. Patent & Trademark Office: "The payment card includes at least one authentication cryptogram on one side of the card. The authentication cryptogram being unique and belonging to the payment card, is affixed to the payment card and identifies the payment card by optical recognition. The optical recognition identifier is linked to a bank account to which the payment card is linked. The method for authenticatin...