ALEXANDRIA, Va., Aug. 12 -- United States Patent no. 12,705,617, issued on Aug. 11, was assigned to Mastercard International Inc. (Purchase, N.Y.).

"Systems and methods for enhanced public key authenticator viability" was invented by Sachin Kumar Singh (Pune, India), Kaushal Shetty (O'Fallon, Mo.) and Mayank Joshi (Pune, India).

According to the abstract* released by the U.S. Patent & Trademark Office: "A computer-implemented method includes: receiving a signed challenge from a public key authenticator of a mobile device registered to a financial account of a user; receiving a transaction request and transaction data associated with the signed challenge; determining that the public key authenticator satisfies a basic integrity requirement...